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Unidos Venceremos Group
In this Group: Pedro Antonio, Luz Milena, Ariana Paola, Segunda Tarcila, Ines Gabriela, Fabricio Enrique, Neil Edwin, Adalberto Ivan, Maria Isabel
Maria Isabel is 42 years old. She lives in Borbón with her husband and their four children. Her husband sells wood for a living. Her children normally attend school. For two years now she has been selling soft drinks, such as sodas, bottled water, and natural juices, at a small, improvised kiosk in her home where she takes advantage of the passing interprovincial transport vehicles to sell her products.

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.

Additional Information
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.
View original language description ↓
MARIA ISABEL. Tiene 42 años. Vive en Borbón con su esposo y sus 4 hijos. Su esposo se dedica a la comercialización de madera. Sus hijos asisten normalmente a clases. Ella desde hace 2 años. Se dedica a la comercialización de bebidas refrescantes. Gaseosas. Botellas de agua. Jugos naturales en un pequeño kiosco improvisado en su casa donde aprovecha el paso de las unidades de transporte interprovincial para vender sus productos.
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.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Unidos Venceremos Group's $4,500 loan helped a member to buy healthy foods for school snacks.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 8, 2014
Jun 14, 2014
Currency Exchange Loss:
Jan 17, 2015