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Esmeraldeñas  (Cuenca) Group
In this Group: María Liliana, Clariza Petronila, Lucy Ediltrudys, Erika Mercedes, Victoria Yadira, Sgunda Celia, Delberg Alfredo , Silvio Bonifacio, Jesefina Del Rocio
Esmeraldeñas Communal Bank is made up of nine members, seven women and two men who live in different places in the city of Cuenca. This city has a cold climate but its residents have warm hearts. It has been a World Heritage Centre since December 1999. The people there still maintain the culture and traditions of their people. The gastronomy in this city captivates the palate of its inhabitants and visitors. The people are pleasant and kind. An example of this is the members who, in their majority, have arrived from the province of Esmeraldas in search of better jobs to keep their families going.

One of the members of this group is Josefina, 25. She is married and has four children from this union, ages 10, 8, 5, and 3. Her two oldest children attend school in the town. Her husband works in construction and also sells fish and shellfish. They don't have their own home so they rent.

Josefina does the housework and raises guinea pigs and chickens, which she sells in her community. She also farms; her harvests are for home consumption.

This is the first loan she has received from the communal bank, to which she was invited by a friend. She is going to invest it in buying shellfish for her husband's business.

Her dream is to grow with the businesses, both hers and her husband's, and keep her family going.

A friend of one of the members joins [them] in the photo; she is wearing a pink-and-gray striped blouse.
View original language description ↓
El banco comunal Esmeraldeñas está formado por 7 socias y 2 socios, quienes viven en diferentes lugares de la ciudad de Cuenca, esta ciudad es de clima frió pero con un corazón muy cálido sus habitantes, es desde Diciembre de 1999 Patrimonio Cultural de la Humanidad, su gente aun mantiene la Cultura y tradiciones de sus pueblos, la gastronomía de esta ciudad cautiva el paladar de sus habitantes y de quienes la visitan. Su gente es amable, gentil muestra de ello son nuestras socias quienes en su mayoría han llegado de la provincia de Esmeraldas en busca de un mejor trabajo para sacar adelante a sus familias.

Una de las socias de este grupo es la Señora. Josefina, tiene 25 años de edad, es casada y fruto de su unión conyugal ha concebido 4 hijos de 10, 8, 5 y 3 años de edad, sus dos primeros hijos están estudiando en una escuelita de la localidad. Su esposo labora en la rama de la construcción y también es comerciante de pescado y mariscos, no tienen casa propia por lo que viven arrendando.

Doña Josefina se dedica a los quehaceres de su hogar y en su casa se dedica a criar cuyes y pollo los que vende en su comunidad. También se labra la tierra y sus cosechas son para el consumo de su hogar.

Este es el primer crédito que realiza en el banco comunal al cual fue invitada por una amiga. Este crédito lo va a invertir en la compra de mariscos para el negocio de su esposo.

Su sueño es crecer en los negocios tanto de ella como de su marido y sacar adelante a su familia.

En la foto nos acompaña una amiga de las socias quien esta vestida con una blusa a rayas rosado con plomo.


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
  • 43
    View loans »
    Ecuador Loans Fundraising
  • $23,087,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A portion of Esmeraldeñas (Cuenca) Group's $4,125 loan helped a member to buy shellfish.
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 15, 2012
Listed
Jun 3, 2012
Currency Exchange Loss:
N/A
Expired:
Jul 3, 2012