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Mujeres Divinas(Cuenca) Group
In this Group: Carmen Brecilda, Mariana De Jesus, Mayra Cristina, Mariana Consuelo, Miria Janeth, Viviana Amparito, Flor Beatriz, Zoila Aurora, Esther Amelia, Gloria Elida
The Mujeres Divinas Communal Bank formed in the city of Cuenca. This city is located in the Inter-Andean valley in the southern Ecuadorian jungle. It is also considered to be the third most important city in Ecuador. In its historical center we are able to enjoy a conglomerate of cultural heritage for national tourists as well as for foreigners. The people are very warm and courteous. On this occasion the loan representative, Lupe Pozo, joined us and is seated in the middle of the four members who are seated at the desk. She has a white shirt and glasses.

Viviana Amparito A. A. is a member of the Mujeres Divinas Communal Bank. She lives in the outskirts of the city of Cuenca. She is 32 and in a common law marriage. She maintains a good relationship with her husband. They have two small children who are three and seven. Her husband works in construction, which allows him to contribute to the household expenses. They do not yet have their own house, so they live in a rented house.

Viviana has a business selling coffee with “humitas” (corn paste tamales), and empanadas with corn. She also sells lunches on Saturdays. She has been doing this work for a long time. A year ago she started her business of selling Yanbal products. She tells us that it is going very well. Her biggest difficulty is the default of some customers. The advantage is the prizes for meeting her quota. Viviana and the other members of the communal bank have created a companionable and good working atmosphere. This is her second loan cycle with the foundation. The loans she has received have been invested in her Yanbal business. The new loan from the institution is to buy more women’s, men’s, and children’s Yanbal products to offer more and better products to her customers. Her greatest dream is to build her own house.

Carmen Brecilda A. Iñiguez lives in the center of the city of Cuenca, a place filled with history and tradition. She is an active member of the Mujeres Divinas Communal Bank. She is 52, and she has been divorced for 19 years. She has three children; 30, 25, and 19. Her oldest child is married and does not live with her. The two younger children work and contribute a little money towards the household expenses. She lives in a rented house. She will soon be alone because her children are planning to get married.

Carmen works as a beauty consultant with the Yanbell line. She has been doing this for 14 years. She tells us that it is going very well for her. She has come to have her own customers and to hold one of the first places in sales, which has given her a privileged place in this business. She says that this work requires a lot of patience and dedication because there are down times like when classes resume.

This is her third cycle working with loans from the foundation. She tells us that she has used the loans to buy Yanbal products. She will use the new loan from the ESPOIR Foundation to buy other lines of cosmetics lik E’sika. Her goal is to get ahead in order to be number one in sales.
View original language description ↓
El banco comunal Mujeres Divinas se formó en la ciudad de Cuenca, ésta ciudad se encuentra ubicada en un valle interandino de la sierra sur ecuatoriana, además está considerada como la tercera ciudad más importante del Ecuador, en su centro histórico podemos disfrutar de un conglomerado de patrimonio cultural tangible tanto para turistas nacionales como extranjeros, su gente es muy cálida y gentil, en ésta ocasión nos acompaña la promotora de crédito Lupe Pozo que está sentada en la mitad de las cuatro socias que están en el escritorio, lleva un saco blanco y lentes.

La señora Viviana Amparito A. A. es socia del Banco Comunal Mujeres Divinas, vive en la urbe de la ciudad de Cuenca, tiene 32 años de edad, vive en unión libre manteniendo una buena relación con su esposo, además tiene dos niños pequeños 3 y 1,7 años, su pareja trabaja en la construcción actividad que le permite aportar económicamente con los gastos de su hogar, aún no tienen casa propia por lo que su vivienda es arrendada.

Viviana tiene un negocio de venta de café con humitas, empanadas con morocho, también vende almuerzos los días sábados, lleva mucho tiempo ejerciendo esta labor, hace un año incursionó en el negocio de las ventas de productos Yanbal y nos comenta que le va muy bien, siendo la mayor dificultad el incumplimiento de algunas clientes y la ventaja los premios por cumplimiento en su cupo.
Viviana y las otras socias del Banco Comunal han creando un buen ambiente de trabajo y compañerismo, y manifiesta que este es su segundo ciclo en la fundación y que los préstamos recibidos ha invertido en su negocio de Yanbal, y el nuevo crédito que la institución le entregue lo va a invertir en la compra de más productos Yanbal para damas caballeros y niños para ofrecer más y mejores productos a sus clientes.

Su mayor sueño es de llegar a construir su casa propia.

La señora Carmen Brecilda A. Iñiguez vive en el centro de la ciudad de Cuenca, en un lugar lleno de historia y tradición, es socia activa del banco comunal Mujeres Divinas, tiene 52 años de edad, se encuentra divorciada hace 19 años, procreo tres hijos de 30, 25, 19 años de edad, el mayor de sus hijos está casado y vive aparte, mientras que sus dos hijos menores trabajan y aportan un poco de dinero para los gastos del hogar, viven arrendado y señala que pronto se quedará sola porque sus hijos están en planes de casarse.

Carmen trabaja como consultora de belleza de la línea Yanbal, lleva catorce años ejerciendo esta actividad y nos comenta que le va muy bien ya que ha llegado a tener su propia clientela y a ocupar uno de los primeros lugares en ventas obteniendo un puesto privilegiado en este negocio, manifiesta que este trabajo requiere de mucha paciencia y dedicación pues existen temporadas bajas como la de regreso a clases.

Este es su tercer ciclo trabajando con los prestamos que la fundación otorga, y nos cuenta que lo ha invertido en la compra de productos Yanbal, con el nuevo préstamo que la FUNDACION ESPOIR, le entregue lo va a invertir en la compra de otras líneas de cosméticos como E´sika.

Su meta es seguir adelante para llegar a ser la numero uno en ventas.

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
  • 44
    View loans »
    Ecuador Loans Fundraising
  • $23,087,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Mujeres Divinas(Cuenca) Group's $3,000 loan helped a member buy Yanbal and E´sika cosmetics for women, men, and children.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 25, 2009
Listed
Oct 12, 2009
Currency Exchange Loss:
N/A
Ended:
Feb 15, 2010