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"ni Un Paso Atrás" Group
In this Group: Fátima Anabel, Adelaida Bienvenida, Neris Maritza, Ofelia Cruz
The “Ni Un Paso Atrás” (Not Even One Step Backwards) Communal Bank is comprised of four tenacious women who live in the Santo Domingo Canton. This is one of the most heavily populated cantons in Ecuador. Its climate is warm and humid because it is in the coastal region of the country.

Fátima is the president of this group. She has four children. Her husband, Carlos, is a bricklayer. She spends her free time with her children; ages 7, 13, 15, and 17. One of the greatest obstacles in her life has been the breakup with her first life partner.

She sells clothes door to door. She learned this occupation from her friends. She does not have her own place. She works nine hours a day, and sometimes her husband helps her. She wants to invest in merchandise to sell. This way she will have greater income, and she will be able to continue giving her children an education. She is also eager to have a well-furnished house.

Neris is a single woman who also sells clothes like Fátima. She tells us that she has good customers, and she therefore has few outstanding accounts. She has two clothing orders, and she needs the money to be able to make those purchases. That way she will be able to continue in the business, which is her only support.

Ofelia is a single woman, and she has a business selling food close to a bus stop. She wishes to be able to fix up her place by purchasing items that will make her local look better and to be able to increase sales. This way she will be able to have improved income and a better quality of life.

Adelaida is a single woman with two children. She sells juices and shakes. She wishes to buy two blenders and increase her stock of snacks. This way she will offer her customers a greater variety of products. Even though her business is small, she believes that her sales will be able to increase after this investment.
View original language description ↓
El grupo "Ni un paso atrás" está conformado por 4 mujeres luchadoras quienes residen en el cantón Santo Domingo, el cual es uno de los de mayor densidad poblacional del Ecuador y cuyo clima es cálido y húmedo ya que pertenece a la región costa del país.

Fátima es la presidenta de este grupo, ella es madre de 4 hijos y su esposo Carlos quien es albañil. Ella en su tiempo libre comparte con sus hijos quienes tienen 7, 13, 15 y 17 años. Uno de los mayores obstáculos en su vida ha sido el rompimiento que tuvo con su primera pareja.

Ella se dedica a vender ropa de puerta en puerta, oficio que aprendió de sus amistades. No cuenta con un local propio y trabaja 9 horas al día, en ocasiones es ayudada por su esposo. Ella quiere invertir en mercadería para vender y de esta manera tener mayores ingresos y así poder seguir dándoles educación a sus hijos y anhela tener una casa bien arreglada.

Neris es una mujer soltera que también vende ropa como Fátima, ella nos cuenta que tiene una buena clientela por lo que mantiene pocas cuentas por cobrar. Ella tiene dos pedidos de ropa por lo que necesita el capital para poder comprarla y así poder seguir con el negocio que es su único sustento.

Ofelia es una mujer soltera, tiene un negocio de venta de comida cerca de una parada de buses. Ella desea poder arreglar su local comprando enceres que le permitan que el local se vea mejor y las ventas puedan aumentar. De esta manera ella puede tener mejores ingresos y una mejor calidad de vida.

Adelaida es una mujer soltera, tiene dos hijos y se dedica a la venta de jugos y batidos, actividad que le permite mantener a sus hijos. Ella desea invertir comprando dos licuadoras y aumentar su stock de snacks para así ofrecer mayor variedad de productos a su clientela. Aunque su negocio es pequeño ella cree que sus ventas podrán aumentar luego de la inversión.

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

  • $10,600
    Average annual income
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of "ni Un Paso Atrás" Group's $1,325 loan helped a member to buy merchandise for her business.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jul 29, 2011
Aug 15, 2011
Currency Exchange Loss:
Mar 15, 2012