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La Inmaculada  (Cuenca) Group
In this Group: Esther Yolanda, Martha Adriana, Ana Lucia, Rosa Cristina, Carmen Esperanza, Darwin Ruben
La Inmaculada is a communal bank that was formed by 5 female members and 1 male member. They all live in different parts of the Santa Ana parish in Cuenca, where the weather is cold but the people are warm-hearted. It’s a place that has beautiful landscapes where you can enjoy nature. The people there, particularly the eldest, continue to wear typical clothing and do fieldwork like farming and raising animals. Many people work in the city doing different jobs that help them improve their financial situation at home.

One of the members of this group is Esther. She became a member of the La Inmaculada communal bank 3 and a half years ago. Since then, loans have helped her to continue to work in the fields.

Esther is a young woman, barely 25 years old, who is married and has 4 children aged 9, 6, 4 and 2. The two older children study at the local school, and the two younger ones go to daycare. Her husband works as a bricklayer, a trade he learned from his father. They own their house, which they built together.

Esther does household work and also works in the field. She raises guinea pigs, pigs and hens, and also farms, with her harvest used for the household and for sale. She will use the loan to buy chickens to raise in the brood, and to buy food for all of her animals. Her goal is to improve her house.

The small photo is of the member who couldn’t be there when the group photo was taken.
View original language description ↓
La Inmaculada es un banco comunal que está formado por 5 socias y 1 socio quienes viven por diferentes lugares de la parroquia de Santa Ana en Cuenca, lugar de clima frió pero su gente de un corazón muy cálido, este lugar nos regalan hermosos paisajes para disfrutar de la naturaleza. Su gente en especial los más antiguos conservan sus vestimentas típicas, laboran en las tareas del campo como es la agricultura y crianza de animales, muchos laboran en la ciudad en diferentes actividades economías las que les permiten mejorar la economía de sus hogares.

Una de las socias de este grupo es la Señora. Esther, forma parte del banco comunal La Inmaculada hace 3 años y medio tiempo en el cual los créditos le han beneficiado para continuar con su trabajo en el campo.

La Señora Esther es una mujer muy joven con apenas 25 años, es casada y ha concebido 4 hijos de 9, 6, 4 y 2 años de edad, sus dos primeros hijos están estudiando en una escuelita de la localidad y sus dos últimos hijos pasan en una guardería. Su esposo labora en el oficio que aprendió de su padre que es la de albañil, la casa en la que viven es de su propiedad, la misma que fue construida con el apoyo conyugal.

Ella se dedica a realizar las labores de su hogar y a trabajar en el campo, cría cuyes, cerdos y gallinas, se dedica a la agricultura siendo su cosecha para el consumo de su hogar y también para la venta.

El dinero de su crédito lo va a invertir en la compra de pollos para crecer en la cría y venta de estos animales y también para alimento para todos sus animales.

Su meta es mejorar su casa.

La foto pequeña es de una socia que no pudo estar presente cuando se tomo 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
  • 38
    View loans »
    Ecuador Loans Fundraising
  • $23,222,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of La Inmaculada (Cuenca) Group's $1,650 loan helped a member to buy chickens and animal feed.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 20, 2012
Listed
Sep 4, 2012
Currency Exchange Loss:
N/A
Ended:
Jan 15, 2013