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Fuerza Total (Portoviejo) Group
In this Group: Sindy Verónica, María Isabel, Norma Eugenia, Magdalena Jazmin, Deysi Monserrate, Jhonny Marcelo, Diana Carolina, Ramona Mireya, Mariana Rosalia, María Belen, Helen Elizabeth, Stefanie Elizabeth
The members of the communal bank named "Fuerza Total", meaning "Total Force" meet in the city of Portoviejo every two weeks. They have diverse business activities, including commerce in general, service, and others. They grouped their efforts to be able to access the benefits granted by Fundacion Espoir. It is their first loan cycle with the communal bank and they plan on proceeding successfully to keep moving forward with the institution.

Here we meet Sindy. She is 21 years old, single and during her studies she lives with her family. She is studying to be an Auditor at the Universidad Tecnica de Manabi. She is on her eighth semester of her career.

She is a great student and to be able to continue with her studies she works as a merchant. She sells clothing of all types. She sells door to door although she also works by taking orders from her clients. She says that she has various clients who always request merchandise from her, given that she always has very good products and for her payment plants. She works every day in the mornings, traveling to the locations where her clients are and in the evenings she sells to her school colleagues. She goes to purchase her products whenever she can or needs to, in Colombia. She has three years in the business and it has gone very well.

This loan will be used to go to Colombia to buy clothing of all types, such as: blouses, pants, t-shirts, children's clothing, etc. This is her first loan cycle with the communal bank and she is the president of the group. She appreciates the easy loan process.

Her dream is to establish herself as a professional.
View original language description ↓
En la ciudad de Portoviejo se reúnen cada quince días los socios del Banco Comunal Fuerza Total. Los mismos que se dedican a diversas actividades tales como comercio en general, servicios, entre otras cosas. Ellos unieron sus esfuerzos para poder acceder a los beneficios que presta la Fundación Espoir, este es su primer ciclo en el Banco Comunal y esperan cumplir muy bien para seguir adelante en la institución.

En este lugar conocimos a la señorita Sindy, tiene 21años de edad, está soltera y por sus estudios vive en casa de unos familiares. Ella estudia auditoria en la Universidad Técnica De Manabí, está en octavo semestre de esta carrera.

Ella es una gran estudiante que para poder obtener recursos para continuar con sus estudios se dedica al comercio, vende ropa de todo tipo. Su forma de venta es puerta a puerta aunque también trabaja a base de pedidos que sus clientes le realizan, nos cuenta que tiene varios clientes que siempre le piden su mercadería ya que lo que ella ofrece es un producto muy bueno y además les da facilidades de pago, trabaja todos los días por las mañanas, recorre los lugares donde tiene sus clientes y en las noches ella vende a sus compañeras de clases, sus productos los va a comprar cada vez que puede y necesita a Colombia. Lleva tres anos que se dedica a esta actividad y le va muy bien.

Este crédito es para ir a Colombia y comprar ropa de todo tipo como: blusas, pantalones, camisetas, ropa de niños, etc. Este es su primer ciclo en el Banco Comunal, es la presidenta del mismo y le gusta la facilidad para conseguir los créditos.

Su sueño es realizarse como profesional.

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
  • 68
    View loans »
    Ecuador Loans Fundraising
  • $24,996,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Fuerza Total (Portoviejo) Group's $3,475 loan helped a member to purchase blouses, pants, t-shirts, and children's clothing for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 17, 2011
May 26, 2011
Currency Exchange Loss:
Oct 15, 2011