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Maria Luz
Maria Luz C. T. is 51 years old, married, and lives with her husband and their children in the canton of Chillanes, in Bolívar province. She has four children.

The members of the "Union San Antonio" rural communal bank are based in the precinct of San Antonio, which is in San José del Tambo parish and Chillanes province. Their community is located approximately 150 minutes from the office of Cooperativa San Jose. The members of this group work in short-cycle agriculture, growing corn, cocoa, oranges, and cassava. Collectively, they have many years of experience in this type of work.

Maria Luz plants corn, cocoa, oranges, and cassava. She buys products in the Matilde Esther market and sells her produce in Bucay.

She is requesting this loan to purchase agricultural supplies and fertilizers for cultivating corn, cocoa, oranges, and cassava. With the economic support provided by this loan, she will be able to better meet her needs. She faces challenges like insect plagues and crop illnesses, as well as changes in the climate. Her dream is to buy her own plot of land.

She enjoys visiting different places.
View original language description ↓
Maria Luz C. T. tiene 51 años de edad, Es casada vive con el esposo y con los hijos en el Cantón Chillanes Provincia Bolívar. Tiene 4 hijos.

Los miembros de la V.R.C. UNION SAN ANTONIO, Recinto San Antonio parroquia San José del Tambo distancia de la oficina a 150 minutos de la comunidad se encuentra dentro de los límites del Cantón Chillanes. Esta Ventanilla se dedica labores agrícolas de ciclo corto siembra de maíz, cacao, naranja yuca. Esta actividad llevan mucho tiempo haciéndolo.

Maria Luz se dedica a la agricultura a la siembra de maíz, cacao, naranja, yuca. Compra sus productos en el Comercial Matilde Ester y vende los productos en Bucay.

Solicita el crédito para la comprar de insumos agrícolas y fertilizantes para el cultivo de maíz, cacao, naranja yuca. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentan desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es comprar una finca.

Le gusta recorrer varios lugares.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Luz to buy agricultural supplies and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 7, 2010
Jan 1, 2011
Currency Exchange Loss:
Jan 15, 2012