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Damas De Agua Fría  (Santa Ana) Group
In this Group: Nereliz Mariceli, Erika Stefania*, Ana Cleotilde, Maryuri Alexandra, Miriam Del Carmen , Rosa Amparo, Sarita Del Socorro, Vanessa Monserrate, Salvador Agustin, Angelica Monserrate, Viviana Monserrate
* not pictured
In Ayacucho Parish in Santa Ana Canton, a place noted for its beautiful fresh water resorts that are a great tourist attraction in the canton and province, the “Damas de Agua Fría” (Ladies of Agua Fría) communal bank meets every fifteen days. This is a group consisting of 10 women and one man who have been getting support from loans that help them continue moving forward for some time now

One of the members of this group is Miriam, 33. She’s married and has two daughters who are 13 and 10 years of age and attend secondary and primary school. Her husband works on a chicken farm.

Miriam’s a woman who likes to manage on her own and help her husband cover household expenses. To earn her own income she sells natural products as well as shoes via catalog. She has customers that always order from her, especially the natural products because they are very good. She’s been in this business for a year having started it with the very first loan she got from the bank for which she’s very grateful because thanks to her profits she pays for certain things related to her daughters’ schooling.

This loan will be used to buy natural products and shoes by catalog since she already has several pending orders to fill. She’s been in the communal bank for a year and likes it because she started her business thanks to the loans. Her dream is to provide the best education for her daughters.

The small photos are of two members who were unable to be present when the group photo was taken.
View original language description ↓
En la parroquia Ayacucho del cantón Santa Ana, lugar conocido por sus hermosos balnearios de agua dulce que son un gran atractivo turístico del cantón y la provincia misma, allí se reúne cada quince días el Banco Comunal Damas de Agua Fría

Este es un grupo formado por 10 mujeres y 1 hombre que desde hace algún tiempo vienen recibiendo la ayuda que les brindan los créditos con los cuales pueden salir adelante.

Una de las socias de este grupo es la señora Miriam, tiene 33 años de edad, está casada y de esta relación tienen dos hijas de 13 y 10 años que estudian en colegio y en escuela. El marido trabaja en una granja avícola.

Doña Miriam es una mujer que le gusta valerse por sí misma y ayudarle a su marido a solventar los gastos del hogar, para ganar sus ingresos ella se dedica a la venta de productos naturales así como también zapatos por catálogos, tiene sus clientes que siempre le encargan sus productos sobretodo los productos naturales ya que son muy buenos, lleva 1 año con este negocio el mismo que empezó con el primer crédito que recibió del banco por lo cual está muy agradecida ya que gracias a sus ganancias ella le paga ciertas cosas de los estudios de sus hijas.

Este crédito es para comprar productos naturales y zapatos por catálogos ya que tiene varios encargos por entregar, lleva un año en el Banco Comunal y le gusta ya que gracias a los créditos empezó su negocio.

Su sueño es darles la mejor educación a sus hijas.

Las fotos pequeñas son de dos socias que no pudieron estar presentes 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
  • 94
    View loans »
    Ecuador Loans Fundraising
  • $24,107,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Damas De Agua Fría (Santa Ana) Group's $6,750 loan helped a member to buy natural products and shoes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 11, 2013
Listed
Jul 24, 2013
Currency Exchange Loss:
N/A
Ended:
Dec 17, 2013