A loan of $1,075 helped to buy clothing.


Teresa Viviana's story

The Mujeres Unidas lending group meets every two weeks in the Jipijapa settlement, known as the Coffee Sultan because of its extensive coffee crops with a unique flavor, for its food, and for the warmth of its people. Teresa lives here. She is 31 years old, married, and has four children ages 14, 13, 8, and an eight month old baby. The two oldest attend high school and the youngest is in school. Her husband maintains machines. She sells from her shop and also sells door to door on credit and collects every week. She buys her items every two weeks, or as needed, in Guayaquil. She has been doing this for nine years and things are going well for her. Teresa, in order to earn something on her own and help her husband with the household expenses, she opened a small shop in her home, where she sells all types of products, such as clothing of all types, and Esika (beauty products, cosmetics, perfumes, and ladies’ accessories). She will use the money from this loan to buy more merchandise such as pants, blouses, t-shirts, and cosmetics. She has been with the lending group for nine years and started her business with the money from her first loan. Her dream is to have a car so she can make more trips.

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Translated from Spanish by Kiva volunteer Hugo Reyes


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