Cruz and her husband sell all types of clothing. They travel to the city and the rural areas in a truck that they own. This enables them to reach many places in order to make sales. They sell their products for cash but they also extend credit only to people that they know and trust. Cruz and her husband work Fridays, Saturdays, and Sundays. The merchandise is purchased in Guayaquil, which is where her son lives. Her son buys the merchandise and then sends it to her via transportation provided by a cooperative.
Elon Microfinance Initiative loaned $25 to help Cruz buy trousers, t-shirts, blouses, and children’s clothing. Cruz has been with a Communal Bank for four loan cycles and enjoys being a member because the interest rates are very low. Her dream is to have her own store so that she can sell from a stable place of business. We helped Cruz realize her dream in October 2011.