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El Cruce Hacia El Futuro (Cuenca) Group
In this Group: María Angelita, Johanna Belén, María Del Carmen, Elsa Gladys, Rosa Del Cisne, Janeth Faviola, Mónica Patricia*, Gladys Blanca, Dina Elisa
* not pictured
The “El Cruce hacia el Futuro” (Crossroad to the Future) communal bank is composed of 9 women from the same, El Cruce, community which is part of Sinincay parish. Its residents raise farm animals and grow crops for their own consumption; they also go to the city looking for a good job. Our members are hard working women who seek daily to improve their families’ wellbeing and to improve their home’s income through their hard work. They are women who are cheerful and who exhibit this at each communal bank meeting.

Mrs. Jhoanna J. lives around the Malvinas area of Cuenca. She is 19 years old, married a short time ago, and with no children for the time being. Her husband is a carpenter. They do not own their own home. They rent.

Jhoanna runs her own carpentry shop where she has been working for a year. She works in the afternoon because during the morning she tends to her home.

This is her third loan cycle and all previous loans have been used to buy materials. The new loan will be used to buy wood and wood stains for her carpentry.

Her goal is to have a house of her own.

Mrs. María C. lives in El Cruce which is part of Sinincay parish. She is 46 years old, married and has four children who are 28, 24, 14 and 12 years of age. Her oldest son is employed and helps with household expenses. Her second son is married and lives independently. Her youngest two daughters are in school in the city. Her husband is a sculptor. He works in marble and has a shop installed in their home. They own their house.

María has been a member of the communal bank for 5 years. She is a good friend of all the other members. It is a group of women united with a single goal: to continue growing in their businesses.

Our member has raised guinea pigs and chickens for three years. She sells them already dressed in her community.

She will use the new loan she’s getting in the communal bank to buy feed for her animals.

Her goal is to continue growing in her business.
View original language description ↓
El banco comunal El Cruce hacia el Futuro está formado por 9 mujeres de una misma comunidad como es el Cruce que pertenece a la parroquia de Sinincay, su gente se dedica a la cría de animales y a la agricultura la misma que es para su consumo, también salen a la ciudad en busca de un buen empleo. Nuestras socias son mujeres luchadoras quienes día a día buscan un mejor bienestar para sus familias y con su trabajo mejoran la economía de sus hogares, son mujeres muy alegres y lo demuestran en cada reunión de la banca comunal.

La Señora. Jhoanna J. vive por el sector de las Malvinas en la ciudad de Cuenca. Tiene 19 años, es casada hace poco tiempo y por el momento no tiene hijos, su esposo es carpintero, no tienen casa propia por lo que viven arrendando.
La Señora. Jhoanna trabaja administrando su propio taller de carpintería en el que labora hace un año, trabaja en las tardes ya que en la mañana se dedica al arreglo de su hogar. Se encuentra en su tercer ciclo y todos los créditos le han beneficiado para la compra de materiales y ahora con este nuevo crédito lo va a invertir en la compra de madrea y tintes para su carpintería.

Su meta es llegar a tener su casa propia.

La Señora María C. vive en la comunidad de El Cruce que pertenece a la parroquia de Sinincay. Tiene 46 años, es casada y tiene 4 hijo de 28, 24, 14 y 12 años de edad, su primer hijo se dedica a trabajar y ayuda en la economía del hogar, su segundo hijo es casado y vive independientemente y sus dos últimas hijas estudian en un colegio de la ciudad, su esposo es de profesión escultor, trabaja en mármol y tiene un taller propio en casa, la casa en la que habitan es propia.
Doña María es socia de la banca comunal hace 5 años y tiene una gran amistad con todas las socias de la banca comunal, es un grupo de mujeres unidas con un solo fin, que es seguir creciendo en sus negocios. Nuestra socia hace 3 años se dedica a la cría de cuyes y pollos, los vende pelados en su comunidad. El nuevo crédito que realiza en la banca comunal lo va a invertir en la compra de alimento para sus animales.

Su meta es seguir creciendo en su negocio.

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
  • 92
    View loans »
    Ecuador Loans Fundraising
  • $24,187,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of El Cruce Hacia El Futuro (Cuenca) Group's $3,475 loan helped a member to buy wood and wood stains and to buy animal feed.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 4, 2010
Listed
Oct 14, 2010
Currency Exchange Loss:
N/A
Ended:
May 15, 2011