Unidos Venceremos Group
She found out about FODEMI and the advantages of having the possibility of growing her business thanks to her friends from the neighborhood who already loans with this institution.
Maria Isabel is a very hardworking and enterprising woman who wants a comfortable shop in the future that will allow her to better serve her customers.
With this loan she wants to offer parents the convenience of having snacks for their children (students) close to home. For this she will buy prepared oatmeal, yogurt, fortified cookies, and cereals that are nutritious for the students, as for many years they have been eating products that are not healthy.
To complete this business and stock her store more she will sell plastic products (containers, cups, spoons) and other utensils that are greatly needed in this business.
All the members of this group are from the same area and have different businesses. They will each receive a sum of $500.00 dollars and they also meet monthly to arrange payment of their loans.
Se enteró de FODEMI y las ventajas de tener la posibilidad de crecer en su negocio. Gracias a las amigas del barrio. Quienes ya tienen crédito con esta institución.
MARIA ISABEL. Es una mujer muy trabajadora y emprendedora que tiene deseos de tener en el futuro un local cómodo que brinde las posibilidades de atender mejor a sus clientes.
Con este préstamo desea brindar la comodidad a padres de familia de adquirir el refrigerio de sus hijos (estudiantes) cerca de casa. Por lo cual comprará: avenas preparadas. Yogurt. Galletas fortificadas. Y cereales que aporten a la buena nutrición de los estudiantes. Ya que por muchos años han estado consumiendo productos que no aportan a su salud.
Para completar este negocio y surtir más el local. Implementara la venta de productos plásticos (tarrinas. Vasos. Cucharas) y otros utensilios que se requieren mucho en el sector.
Todos los integrantes del grupo son del mismo sector y se dedican a actividades diferentes. Cada uno recibirá la suma de $500,00 dólares y además ellos se reúnen mensualmente para acordar el pago de la letra del crédito.
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 InternationalFODEMI 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.
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Success!! The loan was 100% repaid