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Beatriz Carmen
Beatriz Carmen P. P. is 22 years old, single, and lives with her parents and her two children, Moreo (age 9) and Juan David (age 4). They live in the canton of Guaranda in Bolívar Province.

Beatriz is a member of the Communal Bank “Mushuc Yuyai” (New Idea), which is located 30 minutes from Guaranda. There are twelve members in total, all of whom are young and are studying and working in agriculture at the same time.

Beatriz grows beans, potatoes, and barley. She buys the merchandise she needs in Guaranda each week and then sells her products in Guaranda every six months.

She is requesting a loan so that she can improve her crops. Beatriz plans to buy seeds and use part of the money for raising cattle. She believes this loan will help improve her products and transform the life of her family. Her dream is to succeed in her studies and in her work. She hopes to have her own micro-enterprise.

Beatriz enjoys the Carnival tradition that involves eating (guinea pigs, pork, and chicken), drinking, and dancing for five days.

View original language description ↓
Beatriz Carmen P. P. tiene 22 años, es soltera, y vive con sus padres y 2 hijos, Moreo (9 años) y Juan David (4 años). Ellos viven en el cantón de Guaranda en la provincia de Bolívar.

Beatriz es una socia de de la ventanilla rural Mushuc Yuyai (Nuevo Pensamiento), que está ubicada a media hora de Guaranda. Son 12 socios en total, jóvenes, que estan estudiando y trabajando en la agricultura al mismo tiempo.

Beatriz cultiva habas, papas y cebadas. Compras los productos que necesita en Guaranda cada semana y hace las ventas de sus productos en Guaranda cada 6 meses.

Solicita el préstamo para mejorar económicamente sus cultivos, comprar semillas y para ganadería. Piensa que este crédito le ayudará a mejorar sus productos y cambiará su vida de familia. Su sueño es salir adelante con sus estudios y su trabajo. Quisiera tener un micro empresa.

Le gusta la costumbre del carnaval donde se come cuy, chancho, gallina, se toma y se baila durante 5 días.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Beatriz Carmen purchase seeds & invest part of the money in raising cattle.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Jun 4, 2010
Jun 18, 2010
Currency Exchange Loss:
Jun 15, 2011