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María Angela
The Familiar community bank meets every 15 days in the small Ecuadorean town of Colorado. The town's inhabitants operate a range of businesses, from making and selling crafts to general commerce.

We are talking with Sra. Angela Delgado. Angela has been married for 20 years and she has two children, 19 and 17 years old. The younger child will finish school this year, something that pleases her very much. Angela's husband is a seasonal laborer.

Angela has a lathe for turning tacua, a semi-precious stone, from which she makes buttons. She then sells the buttons to merchants in Manta. She works eight hours a day from Mondays to Fridays. Her children and husband help her sometimes, but she generally works alone. She buys raw materials for her buttons in Manta and stores them at home. The problem is that her house isn't very secure.

This loan will be used to buy new doors and windows so that Angela can make the house more secure. She has been a member of the community bank since the beginning and likes that the requirements for getting a loan are relatively easy to meet.

Angela's dream is to finish her house.
View original language description ↓
El Banco Comunal Familiar se reúne cada 15 días en una localidad llamada Colorado a pocos minutos de Montecristi, en este sitio la mayoría de los habitantes tiene diferentes negocios como la fabricación de botones de tagua, artesanía y comercio en general.

Aquí conversamos con la señora Angela Delgado. Ella esta casada hace 20 años y tiene dos hijos de 19 y 17 años la ultima estudia y este año se incorpora del colegio por lo cual ella está muy feliz, su esposo es obrero temporal.

Ella tiene un torno (máquina para cortar tagua) con la que se elaboran los botones pero en forma cruda, producto al que entregan en Manta a comerciantes. Trabaja de lunes a viernes hasta ocho horas por día, trabaja sola y a veces con la ayuda de sus hijos y su esposo, la materia prima la consigue en Manta y la guarda en su casa, lo cual es un problema ya que su casa no es muy segura.

Este crédito lo va a utilizar para arreglar su casa, va poner puertas y ventanas nuevas que le ofrezcan más seguridad. Ella está en el Banco Comunal desde sus inicios y le gusta por la ayuda que brindan a todas las socias y porque no piden tantos requisitos para los créditos.

Su sueño son terminar su casa.

Additional Information

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,200
    Average annual income
  • 18
    View loans »
    Ecuador Loans Fundraising
  • $22,607,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped María Angela doors and windows.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 13, 2010
Listed
Sep 17, 2010
Currency Exchange Loss:
N/A
Ended:
Apr 15, 2011