A loan of $950 helped to buy perfumes, lotions, cosmetics, and clothing.


Narcisa De Jesús's story

The “Siempre Unidas” communal bank meets every fifteen days in the cantón of Jipijapa, a cantón known by the name of the sultan of coffee because of the extensive plantations of coffee, which has incomparable flavor, and for its food and the warmth of its people.

This is where Naricisa lives. She is 56 years old and is married. From that marriage she has four children, three who are of age and one who is 15 years old and is studying in high school. All of her children live with her. Her husband doesn’t work because of health-related reasons.

Narcisa is a homemaker who, in order to obtain her own money and get ahead since her husband can’t work, works in commerce. She sells clothing via catalogues, household items, and Yanbal products (beauty products, cosmetics, perfumes, and women’s accessories). She works every day since she goes out to sell and also sells from her house, where she has some vitrines. She sells her products on credit and charges every eight days. She has been working in this activity for 15 years and it is going very well for her. What she sells most are perfumes and cosmetics, since they are very good.

This loan is to buy perfumes, lotions, cosmetics, and clothing. She has been in the communal bank for 14 years and she likes it because they grant her the loans.

Her dream is to have a boutique.

Translated from Spanish by Kiva volunteer Jennifer Day


Loan details


Lenders and lending teams



Loan details