Nueva Esperanza Group
Lucia lives with four of her eight children, who appreciate all of her sacrifice by attending classes. Two of her children are in Colombia serving in the military. Her two daughters study and work in Guayaquil. She does not have a partner and she is very happy to see her children grow up.
She used to sell clothing, and many people would take the merchandise on credit and not pay. She currently has a small business selling food outside of a high school. She prepares a variety of items in her home and sells them during school breaks.
Lucia will use this loan to purchase a larger stove, eight seats, two tables, and two umbrellas to improve the comfort of her diners.
Lucia does not own her own home and pays rent. She hopes that she will be able to purchase a home soon so that her children have comfortable space in her home. She is sure that her business will grow and she will be able to make her loan payments.
LUCIA vive con 4 de sus 8 hijos. Quienes aprovechan todo el sacrificio de su madre asistiendo a clases. 2 de sus hijos se encuentran en Colombia prestando el servicio militar. Las 2 niñas estudian y trabajan en Guayaquil. No tiene compromiso con alguna pareja y es muy feliz viendo crecer a sus hijos.
En una temporada, vendía ropa y mucha gente le llevo su mercadería fiada y no le pago.
Actualmente tiene una pequeña actividad de venta de comida en las afueras de un colegio. Ella prepara una variedad de sabores en su casa y las comercializa en horas de receso escolar.
Con el presente crédito LUCIA comprara una cocina más grande- 8 sillas- 2 mesas – y 2 parasoles. Para brindar comodidad a sus comensales.
LUCIA no tiene casa propia y paga una renta. Ella espera muy pronto poder comprar su casa propia para que sus hijos tengan un espacio cómodo en su hogar.
esta segura de crecer en su negocio y poder pagar las cuotas de 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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This loan has been fully funded!