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Maluay  (Cuenca) Group
In this Group: María Celina, María Rosario, Rosa Sarbelia, María Cruz*, Rosa Agripina, Carmen Olimpia*, María Natividad, Delia Esther, Ana Piedad, Mariana De Jesús, Martha Yolanda, Ana Cecilia, María Doraliza
* not pictured
Maluay Communal Bank is made up of 13 members who live in the parish of El Valle in Cuenca. This parish is surrounded by vegetation, and the rugged geography offers beautiful scenery. The people there make a living in agriculture, raising animals, and as merchants, and many of them work every day in the city. The members are women who have various jobs that allow them to pay for the household expenses and get ahead. In spite of their adversities, they never lose their happiness and friendliness.

Delia is one of the members of this group. She's a happy and charismatic member who has been part of Maluay Communal Bank for four years. She's great friends with all the members because they're part of the same community, Maluay, in the parish of El Valle.

Delia, 55, lives in a common-law relationship and has had five children. Two of her children are married, two of them work and help her financially, and her last child studies in a school in the city. Her husband is a mechanic by profession. The house they live in is their own; it's a small house made of adobe.

Delia works in the field cultivating her land or working as a day laborer when she's needed. At home she makes a living raising and selling chickens, guinea pigs, and pigs. The crops she harvests are for household consumption and also to sell.

She's going to invest her new loan in buying chickens, guinea pigs, and fertilizer for her crops.

Her objective is to expand her pig breeding.
View original language description ↓
Maluay es un banco comunal que está conformado por 13 socias quienes viven por la parroquia del Valle en Cuenca, esta parroquia se encuentra rodeada de vegetación y gracias a su geografía accidentada nos regalan hermosos paisajes, su gente se dedica a la agricultura, crianza de animales y al comercio y muchos laboran a diario en la ciudad. Las socias son mujeres que tienen diferentes actividades económicas las que le permiten solventar los gastos de sus hogares y salir adelante a pesar de sus adversidades, ellas nunca pierden su alegría y cordialidad.

Una de las socias de este grupo es la señoea Delia, es una socia alegre, carismática, que forma parte del banco comunal Maluay hace 4 años, tiene una gran amistad con todas las socias ya que forman parte de una misma comunidad que se llama Maluay y pertenece a la parroquia del Valle.

La Señora Delia tiene 55 años de edad, vive en unión libre y ha concebido 5 hijos, dos de sus hijos están casados, dos de sus hijos trabajan y le ayudan económicamente y su último hijo estudia en un colegio de la ciudad. Su esposo es de profesión mecánico, la casa en la que viven es propia, es una casita pequeña echa de adobe.

Doña Delia trabaja en el campo cultivando sus terrenos o cuando le llaman labora como jornalera, en su casa se dedica a la cría y venta de gallinas, cuyes y cerdos, la cosecha de sus cultivos es para el consumo de su hogar y también para la venta.

Su nuevo crédito lo va a invertir compra de gallinas cuyes y abono para sus cultivos.

Su meta es incrementar la crianza de cerdos.

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
  • 96
    View loans »
    Ecuador Loans Fundraising
  • $24,134,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Maluay (Cuenca) Group's $5,750 loan helped a member to buy chickens, guinea pigs, and fertilizer.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 26, 2012
Listed
Jan 1, 2013
Currency Exchange Loss:
N/A
Ended:
Jun 17, 2013