Check out other loans that are currently fundraising!
Las Lucecitas (Cuenca) Group
In this Group: Maria Dolores, Maria Cristina, Maria Natividad, Rosa Clotilde, Maria Guadalupe, Blanca Marlene, Cindy Gissela
The communal bank Las Lucecitas is made up of 7 members, who want to better themselves and have better opportunities in life. The majority of the members are from the neighborhood of Narancay from the Baños parish in the City of Cuenca. Baños is known for its hot springs that emanate from a volcano. There are festivals throughout the month of January with several activities such as dances and artist showcases and festivals featuring timbulo (a sweet tamale wrapped in corn leaf) and other foods. Few of the inhabitants work in agriculture because, for the most part, they work serving the large quantity of tourists who come to get to know this beautiful place.

The members tell their stories with characteristic friendliness. Señora María Natividad P. T. is a member of the Las Lucecitas bank. She lives in Narancay, some 15 minutes outside the City of Cuenca. She is 39 years old, married, and has 5 children, aged 18, 16, 14, 12, 1. Her older children study in the Manuel Córdova Galarza Technical College located in her parish. She and her family live in their own home, the fruits of the efforts of Señora María and her spouse. Her husband is a carpenter, and he is the best life partner, as well as the best example for their children. For 10 years María has worked in agriculture, raising chickens, guinea pigs, and pigs. The family consumes the majority of her output, and she sells a small amount in the free market in Cuenca, also selling chickens on foot, or plucked to acquaintances who buy in the house; she also sells them in the stores in her area.

This is her third loan cycle with the foundation and she is grateful because they have helped stabilize her economically because before she had to borrow from informal lenders at very high rates of interest. With the loan that the ESPOIR foundation is granting her, she will buy more chickens, guinea pigs, pigs, animal food and vitamins to continue to grow her business. Her goal is to eventually buy a car in order to increase her sales and collect more customers.

Señora María Cristina Mejía P. is a new member of the communal bank. Her mother-in-law is a member of the bank and invited her to become a member. She lives in the community of Guzho, some 15 minutes outside the City of Cuenca. She is 23 years old, has been married for 5 years, and has two children: a 4-year old and a 2-year old. Her husband is a driver in public transportation. Maria is starting with the business of raising chickens. She tells us that it is not too complicated, to obtain the desired earnings you just have to be attentive so that the animals do not lack food or water and have adequate shelter so that they do not die. This is her first credit with the ESPOIR foundation and she hopes to continue to take out loans so that she can improve her quality of life and that of her family. With this loan she will purchase more chickens, animal food and vitamins, and also she will use a part of the loan to finish her house. The goal of Maria is to finish her house with the loans that the foundation grants.

Señora Sindy Gissela Morán C. is another active member of the communal bank Las Lucecitas. She lives in the City of Cuenca, is eighteen years old, and is married. Although she has no children, she has a solid matrimonial relationship, telling us that in order to have a consistent relationship one must be friends above all and have excellent communication. Her husband is an electrician and they live in a rented home and would like to improve their economic situation. Sindy sells shoes, she has been involved in this activity for a year and it's going very well because she has a good supply of good quality shoes. She is an informal trader in the Cuenca free market, which runs daily. She works from 8am to 6pm and on weekends goes to the markets in Sigsig, Azogues, and Paute where she works from 5 a.m. to 6 p.m. This is her first loan, a friend convinced her to become part of the bank by telling her about the advantages that the foundation offers. With the loan she is requesting she will buy more merchandise and this way will have an increased inventory of shoes for women, men and children. Her dream is to have her own stall, so that she would not have to travel around the city to sell her goods.
View original language description ↓
El banco comunal Las Lucecitas esta formado por un grupo de siete socias que desean superarse y llegar a tener mejores oportunidades en la vida, en su mayoría las socias pertenecen al barrio de Narancay de la parroquia Baños en la ciudad de Cuenca, Baños es reconocida por sus aguas termales que son emanadas del volcán, siendo sus fiestas todo el mes de Enero con varias actividades como danzas, presentación de artistas y festivales del timbulo(dulce embuelto en hoja de maiz) y gastronómicos etc., pocos de sus habitantes se dedican a la agricultura , por que en su mayor parte se dedican al comercio por la gran cantidad de turistas que van a conocer ese bello lugar. Sus socias con la amabilidad que les caracterizan nos cuentan sus testimonios.

La señora María Natividad P. T. es socia del bankito Las Lucecitas, vive en Narancay a unos 15 minutos a las fueras de la ciudad de Cuenca, tiene 39 años de edad, está casada concibiendo en su unión matrimonial 5 hijos de 18, 16, 14, 12, 1 año de edad, todos sus hijos estudian en el Colegio Técnico Manuel Córdova Galarza de su parroquia, viven en casa propia fruto del esfuerzo conyugal, su esposo es carpintero, siendo el mejor ejemplo para sus hijos y el mejor compañero en la vida.

María trabaja en la agricultura y crianza de animales como pollos, cuyes, chanchos, hace ya diez años, lo de la agricultura en su mayor parte es solo para el consumo en su hogar y un poco vende en la feria libre de Cuenca, los pollos vende en pie o pelados por a sus conocidas que le compran en su casa, también vende en las tiendas de su sector.

Es su tercer ciclo junto a la fundación y, se encuentra agradecida por que le han ayudado a estabilizarse económicamente, nos cuenta que antes pedía plata a los chulqueros y tenía que pagar intereses muy altos.

Con el préstamo que la FUNDACION ESPOIR le otorga va a comprar más pollos, cuyes, chanchos, alimento y vitaminas para su crianza y seguir incrementando en el negocio.

Su meta es llegar a comprarse un carro para incrementar sus ventas y llegar a más clientes.

La señora María Cristina Mejía P. es una nueva integrante del Banco Comunal Las Estrellitas su suegra es socia del banco comunal y la invito para que forme parte del mismo. Vive en la comunidad Guzho a unos 15 minutos a las afueras de la ciudad de Cuenca, tiene 23 años de edad se encuentra casada hace 5 años concibió dos hijos de 4 y 2 años de edad, su esposo es chofer de transporte público.

María esta iniciando con el negocio de criadero de pollos nos cuenta que no es muy complicado por que solo hay que estar pendiente que el alimento y el agua no les falten y que se encuentren en un lugar abrigado para que no se mueran para obtener las ganancias deseadas.

Es su primer crédito en la FUNDACION ESPOIR y espera seguir realizando más créditos para mejorar su calidad vida y de su familia, con el préstamo que obtenido va a comprar más pollos, alimento y vitaminas, así también una parte lo va a utilizar para la terminación de su casa.

La meta de María es terminar su casa con los préstamos que la Fundación le otorgue.

La señora Sindy Gissela Morán C. es otra socia activa del Banco Comunal las Lucecitas, ella vive en la urbe de la ciudad de Cuenca, tiene 18 años de edad es casada y aun no tiene hijos, tiene una sólida relación matrimonial, nos cuenta que para tener una relación consistente se debe ser amigos ante todo y tener un excelente dialogo y después esposos; su esposo es electricista y viven arrendando y desean mejorar su situación económica.

Sindy es comerciante de calzado, hace un año se inició en esta actividad y le va muy bien por que tiene calzado de calidad y un buen surtido; es comerciante informal por lo que recorre a diario la feria libre en Cuenca su horario de trabajo es de 8 a.m. a 6 p.m. y los fines va a las ferias de el Sigsig, Azogues, Paute siendo su horario de 5 a.m. a 6 p.m.

Es su primer crédito, una amiga le incentivó con los beneficios que la Fundación ofrece para que sea parte del banco comunal.

Con el préstamo solicitado va a comprar más mercadería y así tener un stock surtido de calzado para damas, caballeros y niños.

Su sueño es tener un puesto propio y no tener que salir a recorrer la ciudad.

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

  • $10,600
    Average annual income
  • 48
    View loans »
    Ecuador Loans Fundraising
  • $24,300,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Las Lucecitas (Cuenca) Group's $2,475 loan helped a member to buy animals such as chickens, guinea pigs, pigs, animal feed and vitamins, as well as merchandise in order to increase their businesses.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 24, 2009
Listed
Oct 1, 2009
Currency Exchange Loss:
N/A
Ended:
Mar 15, 2010