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Reina Del Rocio
Reina del Rocio H. R. is 37, lives in a common-law marriage and has three children (Héctor Moreira is 20, Tamara Moreira 17 and José Moreira 15 years old). She lives in the canton of Chillanes in the province of Bolívar.

Reina del Rocio is a member of the rural communal bank Unidos Somos Más ("United We Are More"). This new branch belongs to the community of Matilde Esther in the province of Guayas. This community is located 2 hours from the Chillanes office in the province of Bolívar. The group has 23 members who are busy in various activities, such as agriculture, livestock rearing, small restaurants and cafeterias.

Reina del Rocio has had a restaurant for 9 years. She applies for this loan to expand her business and to buy chicken to farm and sell. She will buy her supplies in Matilde Esther. Thanks to the loan she will be able to improve her service level.

At this moment she rents a house. Her dream is to own her house where she can have her restaurant. She has to overcome a few challenges: minor health problems, education, and a drop in sales during the holiday season.

In her spare time she likes to rest and watch television. She also likes to attend the popular festivities that are celebrated every year on December 8 and July 22.
View original language description ↓
Reina Del Rocio H. R. tiene 37 años, vive en unión libre y tiene 3 hijos (Héctor Moreira, 20, Tamara Moreira, 17, y José Moreira, 15). Ella vive en el cantón de Chillanes en la provincia de Bolívar.

Reina del Rocio es miembro de la ventanilla rural Unidos Somos Más. Esta nueva ventanilla hace parte de la comunidad Matilde Esther en la provincia de Guayas. Esta comunidad esta ubicada a 2 horas de la oficina de Chillanes en la provincia de Bolívar. El grupo cuenta con 23 socios y se dedican a diferentes actividades como agricultura, cría de ganados y pequeños restaurantes y comedores.

Reina del Rocio tiene un comedor hace 9 años y ella solicitó el crédito para ampliar el negocio y para comprar pollos para criar y luego vender. Ella compra sus productos en Matilde Esther. Gracias al crédito ella podrá mejorar su servicio.

En este momento está alquilando una casa y su sueño es tener una casa propia donde puede tener su comedor. Los desafíos que ella enfrenta son pequeños problemas de salud y educación y una bajada de ventas en la época de vacaciones.

En su tiempo libre le gusta descansar y ver televisión. Le gusta también asistir las fiestas del pueblo que se celebran cada 8 de diciembre y 22 de julio.

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

  • $10,200
    Average annual income
  • 14
    View loans »
    Ecuador Loans Fundraising
  • $22,853,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Reina Del Rocio to expand her business and buy chicken to farm and sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Dec 6, 2010
Listed
Jan 1, 2011
Currency Exchange Loss:
N/A
Ended:
Oct 15, 2012