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Cumbe (Ceunca) Group
In this Group: Laura Azucena, Gloria Isabel, Rosa Elvira, Maria Mercedes, Maria Teresa De Jesus, Diana Pilar, Maria Lucrecia, Maria Luzmila, Maria Targelia
The communal bank, "Cumbe," is located on the outskirts of the city of Cuenca. Its climate is cold. This area is characterized by plains where the majority of its inhabitants make a living through agriculture, livestock, and producing dairy products such as cheeses, butter, yogurt, etc.



The members of the Cumbe communal bank live in the parish of San Antonio. Almost all of them have known each other since they were girls. They are very good friends, and this is always a very happy and united group. They are willing to work together to achieve a better quality of life for themselves and their families. Following are some stories of the members of the bank.



Señora Gloria Isabel León T. is a very contributing member of the Cumbe communal bank. She lives in the community of San Antonio in the Cumbe parish. She is 31, married, and has 2 children. Her husband works in construction, which allows him to help his family economically. The house they live in is rented.



Gloria sells cows, pigs, and sheep. She buys them and and resells them the same day or takes them to her home to care for them and raise them a little more and then sells them the following week. She has done this for 4 years, and she tells us that it is going very well. She also raises guinea pigs and chickens.



Gloria has a good friendship with the other members of the group. She has worked with the foundation for 5 years. She tells us that with the loans she has received, she has been able to stabilize herself economically.



With this loan that Fundación Espoir is offering her, she is going to invest in the construction of a chicken house. Her biggest dream is to have her own home for the comfort and tranquility of her whole family.



Señora María Mercedes M. L. is an active member of the Cumbe communal bank. She lives in the Cumbe parish in the community of San Antonio. She is 40 and has 5 children, who are 23, 22, 18, 16, and 14. She had her two oldest children with a man with whom she used to live, but they separated. Now she has a new relationship, and because of this, their father chose to take them to live with him in the city of Quito. Her children don't come to visit her, and she hasn't been able to go visit them because of her current husband. Her 18-year-old son works as an assistant on a truck. Her 16-year-old daughter studies in the Miguel Cervantes school in Cumbe, and her youngest daughter studies in the Marianitas school in the city of Cuenca.



She tells us that at first, the situation with her current husband wasn't good because he treated her badly, and he was very bad. But he changed for the better when he traveled out of the country to work. Being away made him start to value his family. It's been a year since he returned, and he is a different person. He is very caring and stays at home. They live in their own home.



María works in agriculture. She sells what she produces in the markets and has enough for their own consumption. She also owns a cow that provides her with milk for her customers. She has also had a supplies store for 10 years. She tells us that it is going very well because she has a fixed clientele.



María has been a member of the communal bank for 10 years. She tells us that her loans have benefitted her a lot because they have allowed her to finish building her home and to start her store.



With this loan from Fundación Espoir, she is going to invest in the purchase of assorted merchandise to supply her store and to offer better service to her customers. Her goal is to have large shed for chickens.



Señora María Luzmila T. G. is a charismatic member of the Cumbe communal bank. She lives in the Cumbe parish in the community of San Antonio. She is 49 and has been a widow for 15 years. She became very sad when she told us that her husband was murdered by his friend and she still doesn't know his motive. She has six children, and the oldest ones are married. She currently lives with her 20-year-old son, who works to help her with their home's expenses. Her 15-year-old daugther is a single mother of a 9-month-old boy. They live in a little old adobe house, but it is their own.



María works in agriculture and produces papas, vegetables, etc., to consume in their home. If the production is good, they sell part of it in the markets. She also raises chickens and guinea pigs and has a dairy cow. She sells what it produces to the dairy trucks that pass through the countryside. She gets up very eary because she has to distribute her time between the fields and caring for her home and her grandson.



Within the communal bank, the members get along very well. Besides being good friends, they are family. María has recieved loans from Fundación Espoir for 7 years. She is very thankful for the help she has received because it has let her stabilize herself a little economically.



She will invest the loan from the foundation in the purchase of more chickens, feed, and vitamines to grow her business. In this way, she will improve the economic resources of her home. Her dream is to remodel her home because it is in bad shape.

View original language description ↓
El Banco Comunal Cumbe está situado en las afueras de la ciudad de Cuenca, su clima es frío, este lugar se caracteriza por sus llanuras donde la mayor parte de sus habitantes se dedican a la agricultura, ganadería y a la elaboración de productos lácteos como: quesos, mantequilla, yogurt etc.

Las socias del Banco Comunal Cumbe viven en la parroquia San Antonio, casi todas se conocen desde que eran niñas, ellas son muy buenas amigas y siempre un grupo muy alegre y unido que están dispuestas a trabajar juntas para conseguir una mejor calidad de vida para ellas y sus familias. Aquí algunos historias de las socias del Banco.

La señora Gloria Isabel León T., es una socia muy colaboradora del Banco Comunal Cumbe, ella vive en la comunidad San Antonio en la parroquia Cumbe, tiene 31 años de edad es casada y fruto de su amor procreo dos hijos, su esposo trabaja en la construcción profesión que le permite ayudar económicamente a su familia, la casa en la que habitan es arrendada.

Gloria es comerciante de ganado vacuno, porcino, ovino, los compra y revende el mismo día o los lleva a su casa para cuidarlos y criarlos un poco mas y venderlos a la siguiente semana; en esta actividad lleva cuatro años y nos comenta que le va muy bien, además se dedica a la crianza de cuyes y pollos.

Gloria tiene una buena relación de amistad con sus compañeras de grupo, lleva cinco años trabajando junto a la fundación y nos comenta que con los préstamos recibidos ha podido estabilizarse económicamente.

Con el préstamo que la FUNDACIÓN ESPOIR le entrega va a invertir en la construcción de un criadero de pollos.

Su gran sueño es llegar a tener su propia vivienda para comodidad y tranquilad de toda su familia.

La señora María Mercedes M. L. es socia activa del Banco Comunal Cumbe, vive en la parroquia Cumbe comunidad San Antonio, tiene 40 años de edad, concibió cinco hijos de 23, 22, 18, 16, 14 años de edad, sus dos primeros hijos los tuvo en unión libre pero se separó de su pareja, ahora tiene un nuevo compromiso y debido a eso su padre optó por llevarlos a vivir con él a la ciudad de Quito, sus hijos no vienen a visitarla y tampoco ella ha podido ir a verlos por su actual esposo, su hijo de 18 años trabaja como ayudante en un camión, su hija de 16 estudia en el colegio Miguel Cervantes en Cumbe y su ultima hija estudia en la ciudad de Cuenca en el colegio Marianitas.

Nos comenta que al inicio la situación con su actual esposo no era buena porque le maltrataba mucho y era muy malo, pero tuvo un cambio muy positivo cuando migró al extranjero, estando solo a la distancia empezó a valorar a la familia, hace un año regresó y es otra persona, más cariñoso y hogareño, viven en casa propia.

María se dedica a la agricultura, lo que produce vende en las ferias y tiene para su propio consumo, además posee una vaca la cual le proporciona leche para entregar a sus clientes, también tiene una tienda de víveres hace diez años, nos comenta que le va muy bien porque tiene su clientela fija.

María lleva diez años en su banco comunal y comenta que los prestamos le han beneficiado mucho porque le han permitido terminar su casa y también para implementar su tienda.

Con el préstamo que la FUNDACIÓN ESPOIR le entrega lo va a invertir en la compra de mercadería surtida para abastecer su tienda y ofrecer un mejor servicio a sus clientes.

Su meta es llegar a tener un gran galpón de pollos.

La señora María Luzmila T. G. es una socia carismática del Banco Comunal Cumbe, ella vive en la parroquia Cumbe comunidad San Antonio, tiene 49 años de edad, enviudó hace quince años, se pone muy triste al contarnos que su esposo fue asesinado por su amigo sin saber hasta ahora sus motivos, fruto de su amor conyugal procreó seis hijos, los mayores ya son casados, actualmente vive con su hijo de 20 años que trabaja para ayudarla con los gastos del hogar, su hija de quince que es madre soltera de un niño de un año nueve meses, habitan en una casita vieja de adobe pero de su propiedad.

María se dedica a la agricultura, siembra papas, hortalizas, etc. para el consumo en su hogar y si la producción es buena saca una parte a la venta en los mercados, también cría pollos, cuyes y tiene una vaca lechera entregando lo que produce a los carros lecheros que pasan por el campo. Se levanta muy temprano pues debe distribuir su tiempo en el campo, el cuidado de su hogar y de su nieto.

Dentro del banco comunal se llevan muy bien entre todas las socias ya que a mas de ser muy amigas son familiares, María lleva siete años haciendo préstamos en la FUNDACION ESPOIR, se siente muy agradecida por la ayudada recibida porque le ha permitido estabilizarse un poco económicamente.

El préstamo obtenido de la fundación lo va a invertir en la compra de más pollos, alimento y vitaminas para incrementar su negocio, así como para mejorar los recursos económicos de su hogar.


Su sueño es llegar a remodelar su casa por que esta en mal estado.

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
  • 57
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Cumbe (Ceunca) Group's $2,650 loan helped a member construction of a chicken house, to purchase animals, feed, vitamins, and merchandise for a store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 26, 2009
Listed
Oct 1, 2009
Currency Exchange Loss:
N/A
Ended:
Jan 15, 2010