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Mujeres Emprendedoras  (Jipijapa) Group
In this Group: Gloria Tatiana, Yessica Adriana, Karen Gabriela, Dolores Eudocia, Delia Azucena, Belgica Yanina, Maryorie Yesenia, María Fernanda, Ruth Rebeca, Rafaela Margarita, Lilia Magaly, Leida Margarita, Jessenia Elizabeth
The Mujeres Emprendedoras communal bank meets every two weeks in Jipijapa Canton, a canton known as "La Sultana del Café" for its extensive fields of incomparably flavored coffee, its cuisine, and the warmth of its people.

This is a group of people who decided to get together and form this communal bank, which has served them well in all the time they have been in the group. They work in various activities, such as trade, service, and food sales, among others.

Here we met Yessica. She is 29 years old and separated, and from this relationship they have a 9-year-old girl who attends school. She lives in her parents' house.

To get ahead and so her daughter does not need anything, three years ago Yessica saved up what little she had and requested a loan in the communal bank to set up a small business. She has a grocery store in her parents' house where she sells all types of staples. She works every day from 6 a.m. until 8 p.m., and sometimes later. She tells us that in season she also sells all types of clothing, which she does door-to-door in the seasons in which she sells.

She is going to use this loan to stock her store. She is going to buy rice, sugar, oil, and detergent, among other staple items.

She has been in the communal bank since the beginning. She is the treasurer of the group and she likes it because thanks to the loan she set up her business, which today allows her to make a living. Her goals are to get ahead and for her daughter never to need anything, because she struggles for her every day.

The small photo is of two members who were not able to be there when the group photo was taken.
View original language description ↓
EL Banco Comunal Mujeres Emprendedoras se reúne cada quince días en el Cantón Jipijapa, cantón conocido con el nombre de la sultana del café por los extensos cultivos de café el cual tiene un sabor incomparable, por su gastronomía y por la calidez de su gente.

Este es un grupo de personas que decidieron unirse y formar este Banco Comunal que les ha servido de mucho en todo este tiempo que han estado en el grupo. Se dedican a diversas actividades tales como comercio, servicios, venta de comidas entre otras actividades.

En este lugar conocimos a la señora Yessica, tiene 29 años de edad, está separada y de esta relación tienen una niña de 9 años de edad, la misma que estudia en escuela.Vive en casa de sus padres.

Ella para salir adelante y para que a su hija no le falte nada, hace 3 años atrás junto lo poco que tenia y solicito un crédito en el banco comunal y con esto instalo un pequeño negocio, ella tiene una tienda de comestibles en la casa de sus padres, allí vende todo tipo de productos de primera necesidad, trabaja todos los días desde las 6h00 hasta las 20h00 y a veces hasta más tarde, nos cuenta que en temporadas también se dedica a la venta de ropa de todo tipo y que esto lo hace puerta a puerta, en las temporadas que vende.

Este crédito lo va a emplear en surtir mas su tienda, va a comprar arroz, azúcar, aceite, detergentes, entre otros productos de primera necesidad. Está en el Banco Comunal desde el inicio, es la tesorera del grupo y le gusta porque gracias al crédito instalo su negocio que hoy le permite ganarse la vida.

Sus metas son seguir adelante y que a su hija nunca le falte nada ya que por ello lucha todos los días.

La foto pequeña es de dos socias que no pudieron estar presentes cuando se tomó la foto del grupo.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $23,931,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Mujeres Emprendedoras (Jipijapa) Group's $5,900 loan helped a member to buy rice, sugar, oil, detergent, and other staple items.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 24, 2012
Listed
May 8, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2012