ACTIVITIES |
BENEFICIARY
POPULATION |
SITUATION |
SITUATION |
INDICATORS |
BEFORE
PRO-JECT |
THE YEAR 2010 |
Initial
|
Now
|
Formation of Com-munity Develop-ment Banks |
Women family repres-entatives from 59 com-munities of Chimbo-razo |
Financial market did not allow 4,318 rural women family representatives with the unsatisfied basic need to access a credit, for discrimination based on social status, gender, or rural origin, forcing them to seek the loans from *chulqueros* with a 10% of monthly interest. |
2,166 women associated with CDB use the alternative credit mechanism for: income-generating activities, education, health, home improvement, construction of toilets with running water, and funding for housing voucher that the national government (Housing Ministry) provides, a mechanism that makes it possible for woman to acquire the use and control of the productive resources from home and share the control of the resources from the communities with men.
|
% of indi-genous metizo women, from 59 com-munities of the north region of the Chimbo-razo Province, accessing a credit |
0% |
50.16
% |
Credits from Com-munity Banks |
Members of CDB |
Women without credit |
CDB channel microcredit into members as a part of a training instance of microcredit, with amounts between $300 and $600 for income-generating activities, and amounts up to $300 for emergency credits in health and education (Data of February 2010) |
N° members
N° credits
US$ credits |
0
0
0 |
2.166
10.609
$1'463.996 |
Direct / Individual Credits |
Members qualified by CDB Admini-strative Unit |
Women trained in CDB and excellent credit history |
Members with financial education access to credits of up to US$ 3,000, channeled by GSD through International Banks and PROMERICA, result of a strategic partnership with CDB and GSD (Data of February 2010) |
N° members
N° credits
US$ credits |
0
0
0 |
1.294
2.065
$2'487.247 |
Support for micro enterprise initiatives |
Members of CDB |
Activities traditionally and culturally assigned to men. |
Women take on challenges in developing the income-generating activities of the production unit and achieve in the management of household productive resources. |
% of women credit manage-ment |
0% |
89% |
Portfolio Quality |
Members using the credits from CDB |
No credit history |
Community Banks met with the extraordinary performance in the payment of obligations to the GSD Credit Fund. |
% of expired credits
% of lost credits |
0% |
0% |
Members using the direct credits |
Members qualified with their excellent credit history |
Payment of obligation suffer an expiration from 1 to 30 days, and credits in excess of 180 days pass recovery through courts. |
% of expired credits
% of credits re-covered through courts |
0%
0% |
3%
1% |
Income-gene-rating and self-employ-ment |
Members and families associ-ated with the Com-munity Banks |
Men responsible for the income-generation |
Women's access to credit facilitates the development and diversification of the productive activity, a move that allows it to achieve the self-reliance and economic sustainability of the house, an element that breaks the chain of poverty at a fast rate. |
% of famliies gene-rating at least 2 job positions |
0 |
100% |
Develop-ment of self-esteem and confidence |
Members of the CDB |
Low self-esteem |
Building women's self-esteem and confidence is a community development strategy that has achieved the exceptional levels of behavior change and family welfare, allowing the women and families to be included in the country's social, economic life. |
% women changing family behavior |
0% |
95% |
Access to the Private Bank |
Members and families associ-ated with the Com-munity Banks |
Social and economic discrimination |
The financial education, credit management, and direct relationship with the private bank is facilitating the rural women's access to the credits of the private bank. |
% of members acceed-ing to private bank |
0% |
6% |
