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Reina De La Nube  (Cuenca) Group
In this Group: Maricela Itamar, Adriana Elizabeth, María Fernanda, Wilma Maritza, Nancy Carmita, Johanna Ximena, Anibal Xavier
Reina de la Nube is a communal bank with seven members - six female and one male. They are friends and most of them work handing out product samples. Their work allows them to contribute to household expenses and help their families keep going. They are kind and pleasant, and very cheerful despite the adversities they face. They live in different areas of Cuenca, a city with a cold climate which has been a World Heritage Site since December 1999. Thanks to its rugged geography Cuenca has many sites to visit and enjoy nature. Its people are very charismatic and warm-hearted, and visitors to Cuenca fall in love with its culture and traditions.

One of the members of this group is María Fernanda. She is requesting her first loan together with her friends from Reina de la Nube communal bank. She lives in the Monay area of the city of Cuenca. She is 18 years old, single, and lives with her parents. Her father is a driver and her mother runs a business. The house María Fernanda lives in is owned by her parents.

At the moment she is working on advertising for political campaigns, but most of her time is devoted to her university studies, as she is in her first year of an accountancy degree. She will invest the money in fees and books for her course so that she can continue with her university studies. Her goal is to graduate and be a good professional worker.

The smaller photo is of a member who was not able to be present when the group photo was taken.
View original language description ↓
Reina de la Nube es un banco comunal que está conformado por 6 socias y 1 socio, son amigas y en su mayoria se dedican a laborar como degustadoras, sus trabajos le permiten aportar a la económica de sus hogares y salir adelante con sus familias, son mujeres amables, gentiles y muy alegres a pesar de las adversidades. Viven en diferentes lugares de la ciudad de Cuenca, ciudad que tiene un clima frió, es Patrimonio Cultural de la Humanidad desde Diciembre de 1999, gracias a su geografía accidentada tiene varios lugares para visitar y disfrutar de la naturaleza, su gente tiene un gran carisma y un corazón muy cálido, su cultura y tradiciones enamora a quienes la visitan.

Una de las socias de este grupo es la Señorita. María Fernanda, está realizando el primer crédito en conjunto con sus amigas en el banco comunal Reina de la Nube, vive por el sector de Monay en la ciudad de Cuenca, tiene 18 años de edad, es soltera y vive con sus padres, su papá es de profesión chofer y su mamá es comerciante, la casa en la que viven es propiedad de sus padres.

Ella está trabajando por el momento realizando publicidad de campañas políticas, pero la mayor parte de su tiempo se dedica a sus estudios Universitarios, ya que se encuentra en el primer ciclo de la carrera de Ingeniería en Contabilidad.

Su crédito lo va a invertir ven el pago de la matricula y en la compra de libros para seguir con sus estudios universitarios.

Su meta es llegar a graduarse y ser una buena profesional.

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

  • $10,600
    Average annual income
  • 54
    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 Reina De La Nube (Cuenca) Group's $2,150 loan helped a member to pay course fees and buy books.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 19, 2012
Listed
Dec 1, 2012
Currency Exchange Loss:
N/A
Ended:
Aug 17, 2013