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Carmen Pilar
Carmen Pilar B. A. is 23 years old. She is single, and she lives with her parents and her siblings. She lives in the Ventanas province in Los Ríos. She does not have children.

Carmen is a member of the “Valle Alto” (High Valley) Communal Bank. It is located in the Voluntad de Dios precint, which is an hour and a half from Ventanas. There are 23 members in all, and most of them devote themselves to agriculture. This is their second loan with the Cooperativa San José.

Carmen is a farmer, and she grows rice and corn in a short cycle. She makes her purchases every month at Fertiza in the city of Ventanas and at the Peña market, and she sells her products at the same place

She is requesting the loan to buy rice and corn seeds. She thinks that the loan is an opportunity go get ahead. Her dream is to prosper in her work. She faces challenges like pest infestation.

She likes to play sports.
View original language description ↓
Carmen Pilar B. A., tiene 23 años. Es soltera y vive con los padres y hermanos, vive en Ventanas provincia de Los Ríos. No tiene hijo.

Carmen es una socia de la ventanilla rural la “Valle Alto”, que está ubicada en el Recinto Voluntad de Dios a hora y media de Ventanas. Son 23 socios en total, que en la mayoridad se dedican a la agricultura. Esto es el segundo préstamo que ellos realizan en la Cooperativa San José.

Carmen se dedica a la agricultura, siembra arroz y maíz en ciclo cortó. Realiza sus compras cada mes en la ciudad de Ventanas en Fertiza y en el comercial Peña y las vende en la misma localidad.

Solicita el préstamo para invertir en la compra de semillas de arroz y maíz. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños es prosperar en el trabajo. Enfrenta desafíos como las plagas.

Le gusta hacer deporte.

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
  • 47
    View loans »
    Ecuador Loans Fundraising
  • $24,292,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Carmen Pilar buy rice and corn seeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 20, 2010
Sep 1, 2010
Currency Exchange Loss:
Feb 15, 2011