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Silvia Eugenia
Silvia Eugenia R. R. is 29 years old, and she is married. She lives with her husband and their children in the Chillanes canton in the Bolívar province. She has three children.

The “Tres de Noviembre” (November Third) Communal Bank is comprised of 28 members. The bank is 90 minutes from the office, and it is in the Chillanes canton limits. This bank is devoted to short cycle agricultural work. They grow rice, bananas, corn, cacao, oranges, and yucca. They have been doing this for a long time.

Silvia Eugenia grows rice, bananas, corn, cacao, oranges and yucca. She buys her products in Mata de Cacao. She makes her sales in the Matilde Esther market, and she sells the products in Bucay.

She is requesting the loan to buy agricultural supplies and fertilizers for her rice, banana, corn, cacao, orange, and yucca crops. The help from the loan will financially help supply her with the necessities. They face challenges like pest infestations, diseases, and climate changes.

Her dream is to improve her family’s quality of life.

She likes to take walks with her children.
View original language description ↓

Silvia Eugenia R. R. tiene 29 años de edad Es casada vive con su esposo y con sus hijos en el cantón de Chillanes Provincia Bolívar. Tiene 3 hijos.

Los miembros de la V.R.C. TRES DE NOVIEMBRE, Esta compuesta por 28 socios y esta a 90 minutos de la oficina se encuentra dentro de los límites del Cantón Chillanes. Esta Ventanilla se dedica labores agrícolas de ciclo corto siembra de arroz, plátano, maíz, cacao, naranja, yuca. Esta actividad llevan mucho tiempo haciéndolo.

Silvia Eugenia se dedica a la agricultura a la siembra de arroz, plátano, maíz, cacao, naranja, yuca. Compra sus productos en Mata de cacao y sus ventas se realizan 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 arroz, plátano, 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 mejorar la calidad de vida de su familia.

Le gusta pasear con sus hijos.

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
  • 52
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Silvia Eugenia to buy agricultural supplies and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 13, 2010
Jan 1, 2011
Currency Exchange Loss:
Feb 15, 2012