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Ana Isabel
Ana Isabel V. A. is 24 years old and lives with her husband in Babahoyo canton, in Los Ríos province. She has two children: 6 year-old Jostin Javier Vaicilla V. and 1 year-old Edgar Daniel Vaicilla V..

Ana Isabel is a member of the 'Unidos Somos Más' (United We Are Stronger) rural loan group. This new group is located in the community of Matilde Esther, in Guayas province, 2 hours from our Chillanes office in Bolívar province. The group has 23 members who work in different business activities such as farming, livestock raising and running small restaurants and eateries.

Ana Isabel does household chores. She is requesting this loan to set up her own business. The loan will help to improve her family's finances. Ana Isabel's dream is to increase her business so that she can improve her family's economic situation and particularly that of her children. The greatest challenge she and her family face is a lack of money. In her spare time she likes going for walks and making confectionery.
View original language description ↓
Ana Isabel V. A. tiene 24 años y vive con su esposo en el cantón de Babahoyo en la provincia de Los Ríos. Ella tiene dos hijos: Jostin Javier Vaicilla V. de 6 años y Edgar Daniel Vaicilla V. de 1 año.

Ana Isabel 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.

Ana Isabel se dedica a quehaceres domésticos. Ella solicita el crédito para poner su negocio propio. El préstamo ayuda a mejorar la situación económica de su familia.

El sueño de Ana Isabel es aumentar su negocio para poder mejorar el estado económico de su familia y en especial sus hijos. El mayor desafío que ella y su familia enfrenta es la carencia del dinero.

En su tiempo libre le gusta salir a caminar y hacer repostería.

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
  • 89
    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 Ana Isabel to set up her own business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 6, 2010
Jan 1, 2011
Currency Exchange Loss:
Jan 15, 2012