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Ana Beatriz
Ana is 67 years old. She is divorced and lives alone in Ventanas in the province of Los Ríos. She has four children, Margota (43), Beatriz (40), Verónica (33) and Fernando (29).

Ana is a member of the “Y” rural bank, located an hour and a half from Ventanas. There are 17 members in total, the majority of whom work in agriculture. This is the first loan that they are taking with Cooperativa San José.

Ana works in trade, selling chickens. She makes purchases every month in Guayaquil and Babahoyo and sells her products in the these cities and in room in the house where she lives.

She requests this loan in order to invest in the purchase of chickens to grow her business. She believes that this loan is an opportunity to get ahead. She dreams of money to improve her standard of living. The challenges that she faces include lack of capital and competition in the area.

Ana likes to read and to work.
View original language description ↓
Ana Beatriz G. B., tiene 67 años. Es divorsiada, vive sola, vive en Ventanas provincia de Los Ríos. Tiene 4 hijos, Margota (43), Beatriz (40), Verónica (33) y Fernando (29).

Ana es una socia de la ventanilla rural la “Y”, que está ubicada a hora y media de Ventanas. Son 17 socios en total, que en la mayoridad se dedican a la agricultura. Esto es el primer préstamo que ellos sacan con la Cooperativa San José.

Ana se dedica al comercio, a la venta de pollos. Las compras las realizan cada mes en Guayaquil y Babahoyo y los vende en la misma localidad en un local de la casa donde vive.

Solicita el préstamo para invertir en la compra de pollos para incrementar el negocio. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños dinero para mejorar su nivel de vida. Enfrenta desafíos es la falta de dinero y la competencia de la localidad.

Le gusta leer y trabajar.

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
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $24,616,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Ana Beatriz purchase of poultry to grow business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 19, 2010
Aug 2, 2010
Currency Exchange Loss:
Aug 15, 2011