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Las Autenticas Group
In this Group: Beatriz Olivia, Angelica Gricelda , Decci Fabiola
Beatriz, 36, started to work at a very young age to help her parents. The knowledge which she gained in primary school did not open many doors for her in the labor market. Nevertheless, she dedicated herself to the household duties for a long time. She is married to Segundo, 46, a hardworking man who is a professional taxi driver in the city. He and Beatriz have one son, who is in a state school. They hope that one day he will become a professional who contributes to the country's improvement.

Beatriz lives with her family in the parish of Río Verde in the province of Santo Domingo de los Tsáchilas, a terrestrial port which mobilizes trade between the Sierra and Costa regions of Ecuador. Its climate is humid and favorable for agriculture and livestock. Trade has also grown, bringing economic development to the region.

In this area, various young entrepreneurs have taken advantage of the opportunities which their city offers for success, such as Beatriz. Some time ago, she decided to help with the household expenses to improve her family's quality of life. She sells cosmetics as a traveling saleswoman, traveling through the city's long streets to offer her products for sale. She makes deliveries and takes payments from her clients, who are mostly women.

Beatriz has applied for a loan to buy some of the most popular products, using offers which her suppliers offer her. She will then be able to keep products in stock and satisfy the needs of her most demanding clients. She hopes to improve her earnings so that she can cover some of her household expenses and give her son a comfortable life and education.

Beatriz has joined up with two of her friends, Angélica and Decci, who are also small business owners.

Angélica, 33, is married and also sells cosmetics. She will invest in merchandise which will increase her income, so that she can give her two children a better quality of life.

Decci, 34, is married with three children. She will invest her part of the loan in the purchase of chickens and feed. She makes a living raising chickens to sell.

These three women joined up with one goal in common: to give up all pretexts about a lack of work and grow in their businesses to show everyone that it is possible to succeed by putting in effort and working hard.
View original language description ↓
Beatriz tiene 36 años, trabajó desde muy joven ayudando a sus padres y los conocimientos que adquirió en la primaria no le abrieron muchas puertas laborales, sin embargo se dedicó a los quehaceres de su hogar mucho tiempo, ella está casada con Segundo un hombre trabajador de 46 años que es chofer profesional y trabaja conduciendo un taxi por las calles de la ciudad y con quien Beatriz tiene un hijo que está en la escuela fiscal y a quien esperan un día verlo convertido en profesional y que aporte al mejoramiento del país. Beatriz vive con su familia en la Parroquia de Río Verde de la Provincia de Santo Domingo de los Tsáchilas, un puerto terrestre que moviliza el comercio ecuatoriano al unir las Regiones Sierra y Costa de ese país. Su clima es húmedo y la temperatura favorece a las actividades agrícolas y ganaderas. El comercio también ha crecido aportando al desarrollo económico de la zona. En este lugar han surgido varios jóvenes emprendedores que han aprovechado las oportunidades que su ciudad brinda para salir adelante, como es el caso de Beatriz que desde hace algún tiempo decidió aportar con el gasto de su hogar para mejorar el estilo de vida de su familia, ella vende cosméticos de forma ambulante, recorre las largas calles de su ciudad ofreciendo sus productos, haciendo las entregas y cobranzas respectivas a sus clientes que en su mayoría son mujeres. Beatriz solicita un préstamo justamente para poder comprar productos de los más demandados usando las ofertas que sus proveedores le brindan para así mantener productos en stock y poder satisfacer las necesidades de sus clientes más exigentes. Ella espera incrementar sus ganancias de tal forma que pueda solventar algunos gastos en su hogar y poder dar a su hijo una vida y educación confortables.
Junto a Beatriz se han unido 2 de sus amigas quienes también desempeñan el papel de microempresarias, ellas son Angélica y Decci.
Angélica tiene 33 años, está casado y se dedica también a la venta de cosméticos, ella invertirá en mercadería que le incremente sus ganancias y así poder dar a sus 2 hijos un mejor estilo de vida.
Decci tiene 34 años, está casada y tiene 3 hijos, ella invertirá su parte del préstamo para comprar pollos y balanceado para la alimentación de los mismos, pues se dedica a la crianza de pollos para su comercialización.
Estas tres mujeres se unieron con un objetivo común: renunciar a todo pretexto por la falta de trabajo y crecer con su emprendimiento para demostrar a todos que si es posible salir adelante esforzándose y trabajando duro.

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.

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
  • 26
    View loans »
    Ecuador Loans Fundraising
  • $22,871,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Las Autenticas Group's $2,075 loan helped a member to buy products to keep her business stocked.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 29, 2013
Listed
Jul 29, 2013
Currency Exchange Loss:
N/A
Ended:
Mar 17, 2014