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Estrella Del Mañana (Azogues) Group
In this Group: María Angelita, Rosa Amable, Rosa Alejandrina, Alicia De Jesús, María Rosa, Rafael
The “Estrella del Mañana” (Star of the Morning) communal bank is comprised of five women and one man. They work at different business activities. Their work allows them to help improve the financial situations of their households. They live in the city of Azogues in the Cañar province, the site of the architectural and cultural heritage of Ecuador. Its people are kind and gentle. They maintain the culture and traditions of their towns.

María Angelita is one of the members of this group. She is 46 years old, divorced, and has three children; ages 24, 21, and 14. Her first daughter is married and lives independently. Her second daughter works and helps financially. Her last daughter goes to the city high school. She also has been taking care of a nephew since he was three years old. His is now 15 and goes to high school. She does not have her own house, so she rents where she lives.

María Angelita sells “pinchos” (meat on a little stick), and she has been doing this for nine years. She works Mondays through Saturdays from three in the afternoon until eight at night.

This is her first loan in the communal bank, which a friend invited her to join. She will use the money from the loan to buy meat, sausages, potatoes, vegetables, and small wooden sticks to make the pinchos.

Her dream is to have her own house.

The man in the photo with the gray jacket and cream colored shirt is the husband of one of the members.
View original language description ↓
El banco comunal Estrella del Mañana está formado por 5 socias y 1 socio quienes laboran en diferentes actividades, trabajos que les permiten ayudan a mejorar la situación económica de sus hogares. Viven en la ciudad se Azogues en la provincia de Cañar, patrimonio arquitectónico y cultural del Ecuador, su gente es amable, gentil y mantienen la cultura y tradiciones de sus pueblos.

Una de las socias de este grupo es la Señora. María Angelita, tiene 46 años, es divorciada y tiene 3 hijos de 24, 21, 14 años de edad, su primera hija es casada y vive independiente, su segunda hija trabaja y ayuda económicamente y su ultima hija estudia en un colegio de la ciudad, también cuida de un sobrino desde que tenía los 3 años de edad hoy tiene 15 años y estudia en el colegio. No tiene casa propia por lo que vive arrendando.

Doña María Angelita se dedica a la venta de pinchos (carne en palito), esta actividad la realiza hace 9 años y trabaja de lunes a sábados desde las 3 de la tarde hasta las 8 de la noche.

Este es su primer crédito que realiza en el banco comunal al cual fue invitada por una amiga. El dinero de su crédito lo va a invertir en la compra de carne, salchichas, papas, verduras y pinchos de madera para la elaboración de los pinchos.

Su sueño es tener su casa propia.

El señor que está en la foto con chompa ploma y camisa crema es esposo de una de las socias.

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
  • 50
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Estrella Del Mañana (Azogues) Group's $2,325 loan helped a member to buy meat, sausages, potatoes, vegetables, and small wooden sticks to make pinchos.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 29, 2011
Listed
Dec 17, 2011
Currency Exchange Loss:
N/A
Ended:
Jun 16, 2012