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Silvia Johana
The Alianza Unida communal bank was organized in the city of Cuenca, which is located in the south-central part of the country. This city combines three cultures rich in symbolism, tradition and art: Cañari, Inca and Spanish. The members of this bank are tenacious woman who are heads of household; they struggle daily for the well-being of their families. They are a cheerful and united group that is always willing to cooperate among themselves so that all will progress both personally and economically.

Silvia N. is a very cheerful member of the bank. This is her 4th loan cycle with the Fundación thanks to her friend Zoila, who invited her to be part of this great group fo women. Silvia is only 23 years old, she’s married and has two sons: a three-year-old and a five-month-old. Her husband is a cashier in a public parking lot. They rent their home and her greatest wish is to buy a lot so that they can build their own house and a locale in which to set up her business.

She used her previous loans in her previous business, which was the sale of Yanbal brand products. Currently, she makes and sells humas (cheese tamales) and tamales (made of cheese and corn). She has been in this line of work for 8 months and she already has her regular customer base. She starts her work activities very early because making these little bites is very labor intensive; she has everything ready for her sales that start at 4pm.

She will use the funds to buy corn, cheese, butter, eggs and other ingredients needed for the preparation of humas and tamales.
View original language description ↓
El banco comunal Alianza Unida se formó en la ciudad de Cuenca ubicada en el centro sur del país, esta ciudad es una fusión de tres culturas ricas en simbolismo tradición y arte como Cañari, Inca y Española los integrantes de éste banco son mujeres luchadoras cabezas de hogar en busca del bienestar de sus familias, son un grupo muy alegre y solidario que siempre están dispuestas a colaborar entre ellas para que todas salgan adelante tanto familiar como económicamente.

La señora Silvia N. es una socia muy alegre de éste banco, está en su cuarto ciclo trabajando con la Fundación gracias a su amiga Zoila quien la invito a formar parte este gran grupo de mujeres. Con apenas 23 años Silvia es casada y madre de dos niños de tres años y otro de cinco meses de nacido, su esposo trabaja como cajero en un estacionamiento público de la ciudad, la casa en la que viven es arrendada siendo su mayor sueño comprar un terreno para construir su casa propia y un local para incrementar su negocio.

Los prestamos accedidos anteriormente los invirtió en su antiguo negocio de venta de productos Yanbal, actualmente se dedica a la elaboración y venta de humas y tamales (realizadas de maíz y queso), lleva ocho meses en ésta actividad y ya cuenta con su clientela fija, sus actividades inician muy temprano ya que elaborar estos bocaditos es muy laborioso y tiene todo listo a las 4pm que inicia sus ventas.

Con el dinero que recibirá del crédito solicitado va a comprar maíz, queso, mantequilla, huevos y otros ingredientes para la preparación de sus humas y tamales.

About Ecuador

  • $10,200
    Average annual income
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $23,448,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Silvia Johana to buy ingredients for humitas (a type of cheese tamal flavored with anise) and tamales.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 18, 2010
Listed
Feb 13, 2010
Currency Exchange Loss:
N/A
Ended:
Jun 15, 2010