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Teresa Margarita
Teresa Margarita V. Z. is 40 years old. She is separated and lives with her children in Chillanes canton, in Bolívar province. She has 3 children.

The members of the UNION SAN ANTONIO community bank are located in San Antonio precinct, in San José del Tambo parish, 150 minutes from our office, in Chillanes canton. The members of this group work in short-cycle agriculture, growing corn, cacao, oranges and cassava. They have been in this business for a long time.

Teresa Margarita is a farmer. She grows corn, cacao, oranges and cassava. She buys her products in the Matilde Ester shopping area and sells her products in Bucay.

Teresa Margarita is requesting this loan to buy farming supplies and fertilizers for growing corn, cacao, oranges and cassava. The support of this loan will help her to financially cover her needs. She faces challenges such as insect infestations, plant diseases and changes in the weather. Her dream is to be able to buy a car. She enjoys taking part in the town's fiestas.
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Teresa Margarita V. Z. tiene 40 años de edad, Es separada vive con los hijos en el Cantón Chillanes Provincia Bolívar. Tiene 3 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.

Teresa Margarita se dedica a la agricultura a la siembra de maíz, cacao, naranja, yuca. Compra sus productos en el Comercial Matilde Esther 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 poder comprar un carro.

Le gusta disfrutar de las fiestas del pueblo.

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
  • 46
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Teresa Margarita to buy farming supplies and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Dec 7, 2010
Listed
Jan 1, 2011
Currency Exchange Loss:
N/A
Ended:
Jan 15, 2012