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Saira Patricia
Saira Patricia is 30 years old. She is married, and lives with her husband and 4 children, Johanna (10), Martha (9), Angélica (7), and Héctor (18 months), in Chillanes canton, Bolívar province.

Saira is a member of the Santa Rosa rural bank, located an hour and a half from Chillanes canton. There are 18 members in all, the majority of whom have their own businesses. This is the 1st loan they have requested from San José Cooperative.

Saira sell oranges and cacao. She buys her merchandise in Bucay and is soliciting the loan to buy more oranges and cacao. Her dream is to enlarge her current business in order to have a better future.

She likes to work and play with her family.
View original language description ↓
Saira Patricia C. C. tiene 30 años. Es casada y vive con su esposo y 4 hijos, Johanna (10), Martha (9), Angélica (7) y Héctor (18 meses), en el cantón de Chillanes en la provincia de Bolívar.

Saira es una socia de la ventanilla rural Santa Rosa, que está ubicada a una hora y media del cantón Chillanes. Son 18 socios en total, que en la mayoridad tienen sus propios negocios. Esto es el primer préstamo que ellos sacan con la Cooperativa San José.

Saira se dedica al negocio de naranjas y cacao. Realiza sus compras en Bucay.
Solicita el préstamo para naranjas y cacao. Su sueño es engrandecer su negocio que tenga para un futuro mejor.

Le gusta trabajar y jugar con su familia.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Saira Patricia bUYING ORANGES AND CACAO FOR HER BUSINESS.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 23, 2010
Jul 5, 2010
Currency Exchange Loss:
Jul 15, 2011