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Jovanny Janeth

Update on Jovanny Janeth

The "Jardin de la Artesanía" loan group meets every fortnight in the Montecristi canton, an area known for its rich, pre-colonial culture and for its handicraft products that are known around the country and around the world. It is from here that the famous Panamá hat originates.

And it is here that 53-year-old Jovanny lives. She is married and has four - now adult - children, the youngest of whom still lives at home; Jovanny's husband is retired.

Jovanny is a teacher at a local school but also works selling all types of clothes and Avon products (beauty products, cosmetics, perfumes and women's accessories). She works every day as she sells at the school where she teaches and at the weekends she also goes around her local town to sell the goods. Jovanny sells on credit, collecting payments every week. She has been doing this work for five years, and it has allowed her to earn a little extra to look after her family's well-being.

This loan will be used to buy clothes, perfumes, creams and cosmetic products. Jovanny has been with the loan group for four years and she likes it because the loans are a great help in her life. Jovanny's dream is to have a boutique.
View original language description ↓
EL Grupo De Crédito Jardín De La Artesanía se reúne cada quince días en Cantón Montecristi, conocido por su rica cultura pre colonial y por su artesanía que es reconocida a nivel nacional e internacional. Lugar de los famosos sombreros de paja toquilla.
En este lugar vive la señora Jovanny, tiene 53 años de edad, está casada y de esta relación tienen cuatro hijos mayores de edad, el menor de ellos aún vive con ella. Su esposo es jubilado.
Doña Jovanny es maestra de un colegio de la localidad, pero también se dedica a la venta de ropa de todo tipo y productos Avon (productos de belleza, cosméticos, perfumería y accesorios para damas). Trabaja todos los días ya que ella vende en el colegio donde labora y los fines de semana también recorre su localidad, deja sus productos a crédito y cobra cada ocho días. Tiene más de 5 años que se dedica a esta actividad la cual le permite ganarse algo extra por el bienestar de su familia.
Este crédito es para comprar ropa de todo tipo además de perfumes, cremas y cosméticos. Lleva casi 4 años en el Grupo De Crédito y le gusta porque los créditos son de gran ayuda para su vida. Sus sueños son tener una boutique.

Previous Loan Details

The communal bank "Jardín De La Artesanía" ["Handicrafts Garden"] meets every fifteen days in the canton of Montecristi, known for its rich pre-colonial culture and for its handicrafts, which are recognized on the national and international levels. It is the home of the famous hats made out of pa... More from Jovanny Janeth's previous loan »

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 55
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Jovanny Janeth to buy clothes, perfumes, creams and cosmetic products.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 27, 2014
Mar 29, 2014
Currency Exchange Loss:
Jul 17, 2014