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Maria Carmelina's Group
In this Group: Maria Carmelina, Furgencio, Maria Rosa, Rafael, Jose, Orlando, Hermogenes, Maria Luisa, Silvia Maria, Gilberto, German Esteban, Tarcila, Liberato, Norman, Maria Margarita, Ernesto
Furgencio lives in a small community in the canton of Eloy Alfaro. He comes from a family of farmers, and in his community he sells fuel and oils to boat owners and residents of the village, who are then able to operate farm machinery and also generate electricity. His wife raises birds such as chickens, ducks and turkeys, and also takes care of their two boys, who are ages 3 and 6.

The sale of fuel is a good business for Furgencio. He says that gas stations are very far from the village, and the locals prefer to purchase their fuel from him.

With this loan he will buy tanks so that he can store and transport gasoline. He will also purchase a fire extinguisher for the security of his shop, and also purchase lubricants and oils. He hopes that soon he will be able to improve the condition of his shop and offer his customers and friends the comforts, security and merchandise that they need.

The only form of communication his family has is through the internet at a communal home in the village, and they speak the Autoctono language.

He is also the leader of his community and the head of the group AADAVI, which is comprised of ten men and six women. In the photograph Furgencio can be seen raising his hand. The photo was taken beneath the office, since the village is more than five hours from San Lorenzo.
View original language description ↓
En una pequeña comunidad del Cantón Eloy Alfaro, vive FURGENCIO, él es agricultor por descendencia y en su comunidad se dedica a la venta de combustible y lubricantes a embarcaciones fluviales y a moradores del pueblo, que utilizan generadores eléctricos y maquinarias agrícolas. Su esposa se dedica a criar aves de corral (pollos, patos, pavos) y cuida de sus 2 hijos varones de 6 y 3 años.
La venta de combustible, es un buen negocio, dice FURGENCIO ya que las estaciones de servicio quedan muy distantes y los moradores prefieren comprarlo en su local.
Con este préstamo FURGENCIO comprara tanques para almacenar y transportar el combustible (gasolina); comprara un extintor para la seguridad del local y además comprara lubricantes y aceites.
La única forma de comunicación que tienen es a través del internet desde la casa comunal y su idioma es autóctono.
FURGENCIO espera en poco tiempo acondicionar mejor el local de su negocio y ofrecer a sus clientes y amigos las comodidades, seguridad y mercadería que sus vecinos requieren.

FURGENCIO es el líder de la comunidad y del grupo AADAVI, formado por 16 personas 10 hombres y 6 mujeres. En la fotografía aparece FURGENCIO levantando su mano.
Hemos tomado la fotografía en los bajos de la oficina ya que la comunidad queda a más de 5 horas desde San Lorenzo.

Additional Information

More information about this loan

This loan is part of VisionFund Ecuador'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 VisionFund Ecuador

VisionFund Ecuador 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

  • $10,600
    Average annual income
  • 28
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Maria Carmelina's Group's $8,000 loan helped a member to purchase fuel, tanks, oil, lubricants and a fire extinguisher.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 25, 2014
Apr 3, 2014
Currency Exchange Loss:
May 17, 2015