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Santa Rita #2 Group
In this Group: Mariuse Kiteria, Veronica Elizabeth, Carmen Rus, Johon Fajardo, Lenin Francisco, Enny Mercedes, Silvia Patricia, Ester Maria, Jorge Luis
Johon, 27, lives in Santa Rita, and studies in San Lorenzo. He lives with his 79 year old grandmother who oversees the sowings on her land in a community of this canton. This is Johon’s third loan. This time he is requesting a loan of $1,000, which he will invest in the purchase of three basic computers to set-up a small internet café in his community. Johon considered this business because there is no competition and the students have to travel to San Lorenzo because this service isn’t available in their community. The people in this town work in the fields, sowing bananas, and in logging operations. Many of the people work for palm cultivation companies, and the women are engaged in panning (searching for gold in the river using small wooden containers). The group members found out about the loans with Fodemi through “Visión Mundial” [World Vision] and their “Nuevo Amanecer” [New Dawn] project. Johon knows the members of his group well, and he is certain that he will continue working well with all of them. He says that he had several difficulties with his previous business, raising chickens, and was unable proceed with the activity. For this reason, and to meet the needs of the young students that need this tool, the internet, he decided to set up an internet café. In the future, he hopes to have a small branch in Carondelet because the students also live in the same situation.
View original language description ↓
JOHON. Tiene 27 años, vive en Santa Rita, sus estudios los realizo en San Lorenzo. Vive con su abuela de 79 años, en una comunidad de este Cantón su abuela revisa las siembras de sus terrenos.
Este es el tercer crédito que realiza JOHON. esta vez por un monto de $1000,oo los cuales invertirá en la compra de 3 computadores básicos para implementar su pequeño cyber en su comunidad.
JOHON pensó en este negocio porque no hay competencia en la comunidad. y los estudiantes tienen que viajar hasta San Lorenzo por la falta de este servicio. En este pueblo la gente trabaja en el campo en la siembra de plátano, y explotación de madera, muchos de sus habitantes trabajan en las empresas palma cultora y las mujeres se dedican a playar (búsqueda de oro en el rio con pequeños recipientes de madera). Los integrantes del grupo se enteraron de los créditos con FODEMI, a través de VISION MUNDIAL y su proyecto Nuevo Amanecer. JOHON conoce bien a los integrantes de su grupo y está seguro de continuar trabajando bien con todos ellos. Cuenta haber tenido varias dificultades en el negocio anterior que no permitieron continuar con la actividad inicial la cual era cria de pollo. Por esta razón y para satisfacer las necesidades de los jóvenes estudiantes que requieren esta herramienta (internet)pensó en poner un CYBER.
Sus aspiraciones son tener a futuro una pequeña sucursal en Carondelet. ya que tambien los estudiantes viven la misma realidad.

Additional Information

More information about this loan

This loan is part of FODEMI’s effort to reach vulnerable populations located along Ecuador’s frontier with Colombia. This region generally lacks access to financial services and is populated by many Colombian refugees seeking asylum from guerrilla warfare. This loan is designed to help these vulnerable populations improve their lives and set up sustainable businesses.

About FODEMI, a partner of World Vision International

FODEMI is a microenterprise development fund that supports groups of entrepreneurs who lack access to formal financial systems. The organization works with vulnerable populations, especially women, in the marginalized urban and rural sectors of Ecuador. Its clients work in a variety of sectors including agriculture, artisan crafts and the commercial and service sectors. Kiva lenders’ funds are used to expand the organization’s services to the poor living in more rural parts of Ecuador.

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
  • 19
    View loans »
    Ecuador Loans Fundraising
  • $22,853,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A portion of Santa Rita #2 Group's $7,000 loan helped a member to purchase three basic computers to set up a small internet café in his community.
44% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Apr 22, 2014
May 27, 2014
Currency Exchange Loss: