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Trinidad (Cuenca) Group
In this Group: Rosa Amelia, Maria Carmen, Blanca Aida, Maria Rosa Elvira, Julia Angelita, Maria Zoila, Maria Dolores, Maria Luzmila, Rosa Maria, Zoila Cecilia, Ana Lucia, Maria Presentacion
The Trinidad Communal Bank is a lovely group of women who live in the hills of the Turi community of La Trinidad District, about half an hour outside the city of Cuenca. The climate there is similar to that of Cuenca. They meet at night every 2 weeks in the garden room of a courtyard at the local community church. Most of the ladies are engaged in animal husbandry and agriculture.


For example, Sra. Maria Zoila Dután is a 48 year old and married. She has 2 grown children who are already married with families themselves, as well as 3 grandchildren. This woman is devoted to growing corn, potatoes and vegetables. She sells her produce at the “10 de Agosto” Market in the city of Cuenca. Her income helps to feed her family. In addition, she breeds animals such as guinea pigs, chickens, cows and pigs. She says that she has been working all her life and that her parents were also farmers. Maria requested $165 to purchase chickens to raise, which comes to $4.50 for each pair of chicks. She has participated with her communal bank on 3 previous loan cycles and that working with the Foundation has been wonderful. "Sometimes you cannot get a loan from the bank because they ask for so many papers,” says Maria. Her future goal is to buy a plot of land.


Sra. Blanca Aída Dután is 27 years old, married and has 2 children (ages 10 and 4). She works at home, helping her husband with his carpentry workshop where he makes office furniture and doors. They have been in this line of business for 10 years and have established many regular customers. Their items are produced upon request. Sra. Blanca is requesting $330 to buy wood for her shop and other necessary materials, such as sandpaper, solvents, and hammers. She has participated in 7 loan cycles with her communal bank. She said that she joined her group during an urgent time of need, but when that need was fulfilled, she liked the group so much she decided to continue. Sra. Blanca also indicated that the loans have helped her out in time of trouble to recover from losses.


Sra. Julia Angelita M. R. is 24 years old, married, and has 2 children (ages 6 and 5). She works with her husband in a home-based carpentry business. They make furniture for the home and the office, and have been doing so for three years. Sra. Julia credits her husband’s job for teaching her how to work. As a result, she has been able to keep their home organized since they are both constantly working. Their schedule is unlimited, but they try to keep their work hours between 7am and 7pm. The only setback is that they cannot afford a vehicle to transport furniture, which is difficult if they have a customer that lives some distance away from them. Sra. Julia is requesting $330 to purchase materials for her work such as sandpaper, paints, solvents and wood. Her goal is to have enough materials and machines so that she and her husband can hire employees to help with the work.


In the photograph are all the members with their loan officer at the ESPOIR office in Cuenca. This was taken on the day of their loan verification meeting.

View original language description ↓
El Banco Comunal Trinidad es un grupo muy lindo de señoras que viven en los cerros de la comunidad de Turi sector La Trinidad, aproximadamente media hora fuera de la ciudad de Cuenca, El clima en este lugar es igual al de Cuenca. Se reúnen por la noche cada 2 semanas en un salón de un jardín en el patio de la iglesia de la comunidad. La mayoría de las señoras se dedican a la crianza de animales y la agricultura.

Por ejemplo, la señora Maria Zoila Dután tiene 48 años, es casada, y tiene 2 hijos mayores, los cuales ya están casados con familias propias. Tiene además 3 nietos. La señora se dedica al cultivo de maíz, papas y verduras. Vende lo que produce en el Mercado 10 de Agosto de la ciudad de Cuenca, y además lo que produce le sirve para alimentar a su familia. También cría algunos animales, como cuyes, pollos, una vaca y un chancho. La señora dice que lleva “toda una vida” trabajando en eso, como sus papás también fueron agricultores. María pidió 165 dólares para poder comprar pollos para criar, vale $4.50 cada par de pollitos. Maria Zoila ya lleva 3 ciclos con su banco comunal, y dice que el trabajo con la fundación es bonito. “A veces uno no puede sacar préstamo en el banco porque te piden muchos papeles.” Dice María, Su meta para el futuro es comprarse un terreno.

La señora Blanca Aída Dután de 27 años, casada, y tiene 2 hijos de 10 y 4 años de edad. Ella trabaja en la casa, ayudando su marido con su taller de carpintería, donde hace muebles para oficinas y puertas. Ellos llevan 10 años trabajando en eso. Trabajan por pedidos, y como ya llevan bastante tiempo en este rubro, ya tienen muchos clientes regulares. Doña Blanca está pidiendo un crédito de 330 dólares para poder comprar maderas para su taller, y también algunos materiales necesarios, como lijas, disolventes y macillas. Ella ya lleva 7 ciclos con el banco comunal, dice que entró porque tenía una necesidad urgente, después entró al grupo y solucionó esta necesidad, pero le gustó el trabajo y decidió seguir con el grupo. Dice que los préstamos le sirven porque le ayudan a salir de los apuros y para poder cubrir en tiempos de pérdidas.

La señora Julia Angelita M. R. de 24 años de edad, casada, tiene dos hijos de 6 y 5 años, trabaja con su esposo en un negocio que tienen en su casa, se trata de una carpintería que realizan muebles de complemento para el hogar y la oficina, ya tiene tres años ejerciendo estas funciones, cuenta Julia que gracias a la profesión de su esposo ella también aprendió a trabajar, lo que lleva a tener un hogar organizado porque están todo el tiempo juntos y lo que trabajan es en función siempre de su hogar, lo bueno de este trabajo es que ellos disponen del tiempo para trabajar, sin límite de horas, pero por lo general el horario es de 7 AM a 7PM, el único inconveniente es que por motivos de dinero no tienen un vehículo para trabajar transportando los muebles, y por otro lado es la distancia que les complica.
Su crédito que solicita hoy es de 330 dólares que los invertirá comprando material de cómo lijas, pinturas, disolventes, madera a lo que avance el dinero.
La meta que tiene conjuntamente con su esposo es implementar su taller con materiales y maquinaria, así como contratar operarios para facilitar el trabajo.
En la foto se encuentran todas las socias y el Coordinador de la oficina de Espoir En Cuenca, el mismo que hacia una visita de control.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Ecuador

  • $10,200
    Average annual income
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $23,094,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Trinidad (Cuenca) Group's $3,800 loan helped a member purchase carpentry materials such as sandpaper, solvents, paints and hammers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 22, 2009
Listed
Aug 3, 2009
Currency Exchange Loss:
N/A
Ended:
Feb 15, 2010