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Maria Alicia
María, 48, is single and has three children: Andrea, 18, who is about to start university and Bryan and Diego who are 14 and 11 respectively and attend public school. María has been a single mother since a young age and has worked hard for her children to pay for a proper education for them, something she was unable to have because of her home’s limited economic resources; she was only able to finish elementary school.

This self-sacrificing woman dreams with seeing her three children become professionals and also with being the owner of a spacious locale for her restaurant. María currently lives in San Miguel de Los Bancos Canton, a town that’s very popular due to its waterfalls and its biodiversity that can be enjoyed in its different environments. It’s a place with delicious cuisine comprised of traditional dishes that various residents sell and together with hotels, agricultural warehouses and extreme sports contribute to the city’s economic growth. Also, in the rural zones there are homes dedicated to agriculture and animal husbandry where milk production and production of dairy products like cheese, cream, etc. stand out.

For the last two years María has worked producing charcoal grilled food and is also a housewife tending to her children and giving them the time they require. Weekends are key to selling her food so most of the hours she works are on these days. The need to work led this woman to start this activity which was self-taught and based on her own efforts.

María lives in a house that has needed some improvements for some time now which is why she needs a loan now to invest in building supplies and labor costs so that her house will be finished and she and her children can live comfortably and with a better lifestyle.

She hadn’t been able to do these improvements previously because her main obstacle was the difficulty in getting a loan. However, thanks to recommendations from some friends she was able to reach out to Fundación Alternativa who offered her speed, trust and timely advice and also offered Kiva product by means of which many people in many parts of the world can be part of her dream.
View original language description ↓
María es una mujer de 48 años, es soltera, tiene 3 hijos Andrea de 18 años que ingresará a la universidad, Bryan y Diego de 14 y 11 años respectivamente quienes estudian en un colegio público. María fue madre soltera desde muy joven y por sus hijos ha trabajado duro para poder pagar una educación digna de la cual ella no pudo gozar ya que por los escasos recursos económicos en su hogar, alcanzó a terminar solo la escuela primaria. Esta mujer esforzada sueña con ver a sus tres hijos convertidos en profesionales y además poder ser dueña de un local amplio donde pueda atender su restaurante. María vive actualmente en el cantón de San Miguel de Los Bancos un pueblo que es muy visitado por las cascadas y biodiversidad de especies que se pueden observar en el paso por sus paisajes. Un lugar dueño de una exquisita gastronomía en comida típica que es comercializada por varios de sus habitantes y que conjuntamente con hoteles, almacenes agropecuarios y oferta de deportes extremos aportan al crecimiento económico de la ciudad. También en el sector rural hay hogares que se dedican a la agricultura y ganadería de donde también se destaca el procesamiento de leche y derivados como queso, manjar, etc.
María desde hace 2 años se dedica a la venta de comida elaborada al carbón, paralelamente a esta labor ella se desempeña como ama de casa atendiendo a sus hijos y dedicándoles el tiempo que demandan. Los fines de semana son clave para la venta de su comida, por lo que la mayoría de horas trabaja en estos días. La necesidad de un empleo llevó a esta mujer a emprender en esta actividad que aprendió empíricamente y por su propio esfuerzo. María vive en una casa a la cual desde hace tiempo atrás le hacen falta algunos acabados, es por esto que ahora requiere un préstamo que lo invertirá en materiales y mano de obra para que su casa quede terminada y así ella y sus hijos puedan vivir en un ambiente confortable y con un mejor estilo de vida. Anteriormente no había podido hacer estos arreglos porque su principal obstáculo era la dificultad de conseguir un crédito, sin embargo gracias a las recomendaciones de algunos amigos pudo llegar a Fundación Alternativa quienes le brindaron agilidad, confianza y asesoría oportuna y quienes además le brindaron el producto de Kiva con el cual varias personas de varios lugares del mundo podrán formar parte de su sueño.

Additional Information

About Fundación Alternativa

Fundación Alternativa encourages entrepreneurship and provides sustainable financial and non-financial services that promote social and economic development in Ecuador. The organization focuses on serving poor and excluded populations through analysis of clients' living conditions and by providing business training and other support services in urban, rural and marginalized parts of the country.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,200
    Average annual income
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $23,216,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $725 helped Maria Alicia to buy building supplies and pay labor costs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 11, 2013
Listed
Apr 25, 2013
Currency Exchange Loss:
N/A
Ended:
Mar 17, 2014