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Zhizho (Cuenca) Group
In this Group: Martha Melida, Julia Mercedes, Gloria María, María Celenia, Rosa Etelvina, Transito, Carmen Luzmila, María Manuela, Ana Rocío*, María Luzmila, María Lucinda
* not pictured
The Zhizho community bank is made up of a group of 11 cheerful, charismatic and very hardworking women who are always striving and looking for a better future for their families. They work in different activities that allow them to have their own incomes. They live in the community of Zhizho, which belongs to the Victoria del Portete parish. This area has a cold climate and its people work with cattle and in agriculture and many of them go to the city to do different jobs.

María Manuela D. is a member of the Zhizho community bank and lives in the community of the same name. She has been in the community bank for 2 years and she works with cattle, selling the milk she obtains from them. She also raises animals such as guinea pigs and chicken and sells them for consumption.

María Manuela is 53 years old, married, and has 8 children aged 30, 27, 25, 21, 19, 17, 13 and 8. Her oldest daughter is married and lives on her own. 4 of her children work and help her with the family budget, and her 21 year old daughter helps with the housework at home. Her 13 year old daughter goes to high school ad her youngest son goes to the elementary school in the area. Her husband is a farmer, and with both their work, they were able to build a home. The money from the new loan will be invested in more chickens for her business. Her goal is to expand the raising of animals.


Mrs. María Luzmila Sánchez lives in the community of Zhizho. She is 31 years old, married, and has 3 children aged 12, 10 and 8. Her oldest son goes to high school and the two youngest are in elementary school in the area. Her husband works as a bricklayer and with both their work, they were able to build their own home.

For 11 years, Mrs. María Luzmila has done embroidery, which she learned on her own. Now she works at home without a set schedule from Monday through Friday.

This is the eighth loan she has taken out with the community bank and she is proud to belong to it since she has very good friends and companions there. She will invest the money from the loan in buying a new sewing machine for her work. Her dream is for her children to get ahead and to give them a better education.
View original language description ↓
El banco comunal Zhizho esta formado por un grupo de 11 mujeres alegres, carismáticas y muy trabajadoras que siempre estan en la lucha y busca de un mejor futuro para sus familias, laboran en diferentes actividades que les permiten tener sus ingresos propios. Viven en la comunidad de Zhizho que pertenece a la parroquia Victoria del Portete, este sector es de clima frió, su gente se dedica a la ganadería y a la agricultura y muchos salen a la ciudad a realizar diferentes trabajos.

La Señora. María Manuela D. es socia del banco comunal Zhizho y vive en la comunidad que lleva el mismo nombre, se encuentra en la banca comunal hace 2 años y se dedica la ganadería vendiendo la leche que obtiene de ellas, también se dedica a la cría de animales como cuyes y pollos que los vende y también son para su consumo.
Doña María Manuela tiene 53 años, es casada y tiene 8 hijos de 30, 27, 25, 21, 19, 17, 13 y 8 años de edad, su primera hija es casada y vive independiente, 4 de sus hijos trabajan y le ayudan en la economía de su hogar, su hija de 21 años pasa en la casa y le ayuda en los quehaceres, su hija de 13 años estudia en el colegio y su ultimo hijo estudia en una escuelita del sector. Su esposo labora en la agricultura, con el trabajo conyugal han logrado construir su casa.
El dinero de su nuevo crédito lo van a invertir en la compra de más pollos para su negocio. Su meta es crecer más en la cría de animales.

La Señora. María Luzmila Sánchez vive por la comunidad de Zhizho, tiene 31 años, es casada y tiene 3 hijos de 12, 10 y 8 años de edad, su primer hijo estudia en el colegio y sus dos últimos hijos en una escuela de la localidad. Su esposo labora como albañil y con el trabajo conyugal han logrado construir su casa propia.
Doña María Luzmila se dedica hace 11 años a la actividad de los bordados lo que aprendió por habilidad y ahora trabaja realizando obras en su hogar, no tiene un horario fijo y trabaja de lunes a viernes.
Se encuentra en su octavo crédito que realiza en el banco comunal y esta orgullosa de pertenecer a el ya que tiene muy buenas amigas y compañeras, el dinero de su crédito lo va a invertir en la compra de una nueva maquina de coser para su trabajo. Su sueño es que sus hijos se superen y darles los mejores estudios.

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
  • 38
    View loans »
    Ecuador Loans Fundraising
  • $23,216,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Zhizho (Cuenca) Group's $4,075 loan helped a member to buy chickens/ a sewing machine.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 31, 2011
Listed
Feb 12, 2011
Currency Exchange Loss:
N/A
Ended:
Aug 15, 2011