A loan helped a member to buy a freezer to stop buying ice and reduce her expenses.

Cattleyas Group's story

Ruthi is a 48-year-old woman, lives with her partner, and has three children of 27, 23, and 14 years of age. Her business is the sale of soft drinks. She is a good mother, enterprising, respectful, patient, responsible, and very hardworking. She develops her business in the "Plan 3000" area that is characterized by the origins of its inhabitants: Aymaras, Quechuas, and Guaraní, where they settled and formed a great commerce; it is of a warm, tropical climate with a temperature that varies during the day between 21-35 degrees centigrade.

Ruthi is dark-skinned, brown-eyed, with short, black hair, and of small stature and medium body shape. Her mother tongue is Spanish and she speaks Quechua because of her family's heritage (she is in front, dressed in a tank top with yellow and orange horizontal lines). She makes her life with her partner, who is in construction, and her two younger sons; the oldest is already independent. They live in a rented home, built of brick, with potable water, electricity, and sewage.

Her will to improve brought her to form a communal bank of people with businesses such as video store, sandwiches sale, plaster artworks, soft drinks sale, library, cosmetics sale, welding workshop, and china, fruit, and breakfast sales so that they could request loans and improve their occupations. Her business is the sale of soft drinks, an occupation she does in a fixed sale stall Monday thru Saturday during the day. Due to the climate of the place, the drinks are in great demand. She buys ice daily to refrigerate her soft drinks in a cooler at her customers' full view. "The ice melts fast and the customers demand the drink to be cold. The expenses in the purchase of ice are constant...", she says. Her business's advantage is that, because of the warm climate of the place, sale is continuous all day; the disadvantage is the ice expenses that she must pay to be able to sell.

Her dream is to open a soft drink distribution agency to sell at wholesale and retail. She wishes to expand her business by the purchase of a freezer where she could store her products so that they remain cold for the customer's satisfaction. She would save in ice purchase, time, and money. This is the 4th sequence of loans with the institution in 4 years of experience in this business.

It is by these reasons that Ruthi is requesting a loan to buy a freezer to stop buying ice and reduce her expenses.

In this group: Ruthi, Rossy Yhanyne, Maria Luz, Virginia, Sila Heidy, Lisper Yanet, Loly, Raymundo, Claudia Katherine, Veronica, Ana Belky

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Translated from Spanish by Kiva volunteer Desirée Morales Ruiz.

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