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Maria Agustina
Maria Agustina Ramírez R. is 35, married, and has five children. She lives in the Guaranda canton in the Bolívar province.

She is a member of the Grupo Enmanuel Communal Bank. It is in an area that is located 45 minutes from the Guaranda Canton, the capital of the Bolívar province. There are 17 members in all. It is a farming and livestock community. They are indigenous people, and they all speak Quechua.

Maria works in farming to increase the family economy. The crops that do the best are corn and wheat. She also raises pigs and sheep. She sells the products in the Guaranda wholesale market every six months.

The principal cultural event of the area is the Carnival, which is celebrated every year in February. Also, Maria likes to walk.

She is requesting a loan to buy supplies for working in the field. Mostly she will buy chemical and natural fertilizers. Her goal is to have a good economic activity for her family. The challenges she faces are climate problems and illnesses that affect the crops.
View original language description ↓
Maria Agustina Ramírez R. tiene 35 años, es casada, y tiene cinco hijos. Vive en el cantón de Guaranda en la provincia de Bolívar.

El socio es miembro de la ventanilla rural Grupo Enmanuel es un recinto que se encuentra a cuarenta y cinco minutos del Cantón Guaranda capital de la Provincia de Bolívar. Son 17 socios en total, es una comunidad Agrícola y Ganadera son indígenas hablan Quechua en su totalidad
Maria trabaja en la agricultura para incrementar la economía de la familia. Los cultivos que más sobresalen son el maíz, trigo y también a la cría de chanchos y borregos. Vende los productos en el mercado mayorista de Guaranda cada seis meses.

La cultura principal es el carnaval que se celebra todos los años en febrero. También, a Maria le gusta caminar.

El socio solicita el crédito para comprar insumos para el trabajo del campo y sobre todo para fertilizantes y abonos. Su meta es tener una buena actividad económica para la familia. Los desafíos que enfrenta son los problemas climáticos y las enfermedades que afectan a los cultivos.

Additional Information

About Cooperativa San Jose

This loan is administered by Cooperativa San Jose, a 45,000-member credit union located high in the Andes Mountains of Ecuador’s poorest province, Bolivar. They offer a unique loan called “Ventanillas Rurales” [Window to the Countryside], which uses a group guarantee but is an individual loan with a savings component, mostly to rural borrowers. Due to low savings rates and a history of macroeconomic instability, many traditional loans in Ecuador demand interest rates that are prohibitively high for some borrowers. There is also a high incidence of extortionist black-market lending in Ecuador. CSJ helps mitigate these problems by providing a less onerous and more appropriate option. Join CSJ’s Lending Team!

About Ecuador

  • $10,600
    Average annual income
  • 46
    View loans »
    Ecuador Loans Fundraising
  • $24,293,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Agustina buy supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Mar 3, 2010
Mar 14, 2010
Currency Exchange Loss:
Mar 19, 2011