A loan of $1,075 helped to buy clothes, perfume, cream, cosmetics and costume jewelry.

Vanessa Beatriz's story

The credit group Nuevos Horizontes de 24 de Mayo meet in a small area of the same name, in the province of Manabi. This place is well-known for its beautiful countryside and hard-working people, who work in agriculture and the raising of animals.

This is where Vanessa, 26, lives with her husband and two children aged 9 and 3. Her eldest child is at school. Her husband is a police officer.

Vanessa is a housewife who likes to earn her own income so as not to have to depend on her husband. Therefore she has a business selling clothes by catalogue and products by Avon and Yanbal (beauty products, cosmetics, perfume and women’s accessories). She works three days a week, for about two to three hours a day in the morning. She can work at this time because her eldest child is at school and she only has to look after the youngest. She sells her products on credit and collects payment every eight days. She has been doing this for four years and she has been successful.

This loan is to buy clothes, perfume, cream, cosmetics and costume jewelry. This is her third cycle in the credit group and she likes it because it is easy to pay off the money. She dreams of having her own boutique.

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Translated from Spanish by Kiva volunteer Matthew Walker

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