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María Isabel
Maria Isabel is 24 years old and lives with her parents and her son Diego in the neighborhood of Chillanes, in Bolivar province (Central Sierra).

Maria Isabel is a member of the rural loan group “Santa Rosa de Agua Clara”, which is located two hours away from Chillanes. The group is composed of 15 members in total, most of whom have small shops

She dedicates herself to commerce. She purchases and sells her products at the end of the month in Bucay. She is requesting this loan to increase her business. Her dream would be to have her own shop. The main challenge she faces today is competition.

She likes to spend time with her family. Her mother is also asking for a loan for her own business.
View original language description ↓
María Isabel B. B. tiene 24 años, y vive con sus padres y su hijo Diego en el cantón de Chillanes en la provincia de Bolívar.
María es un miembro de la ventanilla rural Santa Rosa de Agua Clara, que está ubicada a una distancia de 2 horas de Chillanes. Son 15 socios en total, los cuales la mayoría tienen pequeños negocios
Se dedica al comercio. Compra y vende sus productos en Bucay cada fin de mes. Solicita el préstamo para aumentar su negocio. Su sueño seria de tener su proprio negocio. Ahorra el desafío que enfrenta es la competencia.
Le gusta pasar junto con su familia. Su mama también solicita un crédito para su negocio.



Maria Isabel is 24 years old and lives with her parents and her son Diego in the neighborhood of Chillanes, in Bolivar province (Central Sierra).
Maria Isabel is a member of the rural loan group “Santa Rosa de Agua Clara”, which is located two hours away from Chillanes. The group is composed of 15 members in total, most of whom have small shops
She dedicates herself to commerce. She purchases and sells her products at the end of the month in Bucay. She is requesting this loan to increase her business. Her dream would be to have her own shop. The main challenge she faces today is competition.
She likes to spend time with her family. Her mother is also asking for a loan for her own business.

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
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped María Isabel increase her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 10, 2010
Listed
May 22, 2010
Currency Exchange Loss:
N/A
Ended:
Jun 16, 2011