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Los Claveles (Portoviejo) Group
In this Group: Mercedes Lourdes, Rosa Gissela*, Rosa Amelia, Mariela Monserrate, Yessica Cecibel, Maritza Atenaida, Rosa Dolores, Agustina Monserrate, Zunilda De Los Angeles*, Albita Marilu, Rosa Isabel, Liliana Maribel, Wagner Aurelio
* not pictured
In the residential area called El Progreso, located in the city of Portoviejo, the communal bank Los Claveles meets every 15 days. This is a very densely populated, marginal area of the city known as the prison sector, since the Portoviejo women's prison is located here. The group is comprised of 12 women and one man who know each other very well as this is their fifth year together. They are involved in different activities such as trade, sales, production and services.

Mrs. Mariela has been active in this Bank for three years and is very happy to have gotten involved because of all the help she has received from the Espoir Foundation and the communal bank. She acts as payment inspector and enjoys her work. She is 25 years old, lives in a common law marriage and has three children from this union, ages 11, 10 and 4. The older children go to school and her husband is a driver. In addition to being a homemaker, she also sells Avon products (beauty products, cosmetics, perfume and women's accesories). And she sells bed linens and clothing in general. Her activity involves door-to-door sales or processing orders and she works four mornings a week. The products are purchased in Guayaquil. She plans to use this loan to acquire more merchandise, mainly women's clothing which is what she sells mainly. She dreams of having her own house one day since her family currently lives in a rental property.
View original language description ↓
En la ciudadela El Progreso de la ciudad de Portoviejo se reúne cada quince días el Banco Comunal Los Claveles, esta es una zona urbano marginal muy poblada de esta ciudad.se la conoce como el sector de la cárcel ya que en esta zona queda la cárcel de mujeres de Portoviejo. Este es un grupo de 12 señoras y 1 señor que se conocen muy bien ya que este es su quinto ciclo. Se dedican a diferentes actividades tales como, (comercio, ventas, producción y servicios).

La señora Mariela es parte de este de este Banco hace tres ciclos y está muy contenta de haber ingresado en el Banco ya que aquí ha encontrado mucha ayuda por parte de la Fundación Espoir y del Banco comunal, ella se desempeña como fiscal de pagos función que cumple con mucho agrado. Tiene 25 años de edad, mantiene una relación de unión libre y de esta tiene tres hijos de 11 – 10 y 4 años los mayores están en escuela, su marido es chofer.

Además de ser una muy buena ama de casa también se dedica a la venta de productos Avon (productos de belleza, cosméticos, perfumería y accesorios para damas). también vende sabanas y ropa en general, su forma de venta es puerta a puerta o por pedidos, trabaja cuatro días en la semana por las mañanas, sus productos los compra en Guayaquil.

Este crédito ella lo va a emplear en comprar más mercadería pero de preferencia en ropa de mujer que es lo que más vende. Su sueño es tener una casa propia ya que donde viven es alquilado.

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 Los Claveles (Portoviejo) Group's $4,350 loan helped a member to buy beauty products, bed sheets and women's clothing.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 25, 2010
Listed
Dec 1, 2010
Currency Exchange Loss:
N/A
Ended:
May 15, 2011