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Maria Francisca
Maria Francisca R. R. is 27 years old. She is divorced, she ha s3 children and she lives with her single children in Guaranda, a canton of the Bolívar province.

She is a member of the V.R.C. Grupo Enmanuel, a village bank located in San Juan, a precinct of the Guaranda canton. This bank has 17 members who work as farmers engaging in cultivating short cycle varieties of maize, wheat and potatoes in large quantities, as well as in breeding of animals such as pigs and hens.

Maria engages in agriculture, growing maize and breeding pigs and hens. She buys the products to feed his animals in the Comercial Silva every week-end, and he sells his animals every Thursday in the Guarada fair.

The loan she is requesting will be used to sow maize, wheat and potatoes, to purchase animals, and to buy feeding and cropping supplies. The loan will economically help her fulfilling her needs, facing challenges such as pests, plant illnesses and climate changes. She dreams of owning a house.

She enjoys taking part in the canton’s celebrations.
View original language description ↓
Maria Francisca R. R. tiene 27 años, Es divorciada vive con los hijos solteros en el Cantón Guaranda Provincia de Bolívar. Tiene 3 hijos.

Los miembros de la V.R.C. GRUPO ENMANUEL se encuentra ubicada en el recinto San Juan pertenece al Cantón Guaranda, esta ventanilla de 17 miembros se dedica a las labores agrícolas en ciclo corto de siembra maíz, trigo, papas en grandes cantidades y a la cría de animales como chanchos y gallinas.

Maria se dedica a la agricultura a la siembra de maíz y a la cría de chanchos y gallinas. Compra sus productos en Comercial Silva cada fin de semana por la comida de los animales y los vende en la feria de los jueves en la Ciudad de Guaranda.

Solicita el crédito para sembrar maíz trigo, papas y compra de animales además para insumos de alimentación e insumos para los cultivos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es tener casa propia.

Le gusta festejar las fiestas del cantón.

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
  • 50
    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 $800 helped Maria Francisca to sow maize, wheat and potatoes, to purchase animals, and to buy feeding and cropping supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Mar 18, 2011
Currency Exchange Loss:
Mar 24, 2012