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Vilma Sobeida
Vilma Sobeida is 56 years old. She is married and she lives with her husband and their son named Danilo.

Vilma is a member of the rural village of San Jose de los Amarillos. There are 23 members in her group and the majority of them are agriculturists. This is the second loan they request through the San Jose Cooperative (Kiva Field Partner).

Vilma is an agriculturist, having corn plantations. She carries out her purchases and sales in the city of Ventanas.

She requests a loan to invest in the purchase of corn seeds. She sees this loan as an opportunity to get ahead. Her dreams are to have a plot of land where to build her own home. The challenges she faces are langosta infestations and blights in her fields.

She enjoys dedicating her time to God.
View original language description ↓
Vilma Sobeida, tiene 56 años. Es casada y vive con la esposa y el hijo. Tiene 1 hijo, Danilo.

Vilma es un socia de la ventanilla rural “San Jose de los Amarillos”. 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.

Vilma se dedica a la agricultura, siembra maíz. Realiza sus compras cada mes en la ciudad de Ventanas y las vende en la misma localidad.

Solicita el préstamo para invertir en la compra de maíz. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños es tener un terreno propio para construir una casa. Enfrenta desafíos como plagas y enfermedades como la langosta en el cogollo.

Le gusta dedicar tiempo a Dios.

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
  • $25,026,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Vilma Sobeida to purchase corn seed.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 17, 2010
Oct 1, 2010
Currency Exchange Loss:
Mar 19, 2011