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Verónica Carlota
Verónica Carlota F. Q. is 26 years old. She is single, and lives in the town of Chillanes, in the Bolívar province of Recinto Delicia. She has one child, Alejandra (2).

Verónica is a member of the El Progreso La Delicia Recinto rural loan program, part of the San José del Tambo parish. There are 19 members in the program, and this community dedicates itself primarily to growing cacao and corn crops.

Verónica is a farmer and grows corn, which has a short growth cycle. She buys her supplies, and sells her product, at the market.

She is requesting a loan to buy supplies for her corn crop. She thinks that this access to credit is an opportunity to get ahead. Her dream is to have a small farm. The challenge she faces is the lack of economic resources.

She enjoys reading.
View original language description ↓
Verónica Carlota F. Q. tiene 26 años. Es soltera vive en el cantón de Chillanes en la provincia de Bolívar en el Recinto Delicia. Tiene 1 hijo, Alejandra (2).

Verónica es una socia de la ventanilla rural El Progreso La Delicia Recinto que pertenece a la Parroquia San José del Tambo, esta ventanilla integran 19 socios, la Comunidad se dedican a sembrar cacao y maíz.

Verónica se dedica a la siembra de maíz en ciclo corto. Realiza sus compras las realiza en mata de Cacao y vende los productos el Mercado.

Solicita el préstamo para la compra del insumo de maíz. Piensa que el crédito es una oportunidad para salir adelante. Su sueño es tener una granja pequeña. El desafío que enfrentamos es el tiempo y la falta de recursos económicos.

Le gusta leer.

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
  • 52
    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 $800 helped Verónica Carlota to purchase supplies for growing corn.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 14, 2010
Jul 17, 2010
Currency Exchange Loss:
Jul 15, 2011