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Carmen Isaura
Carmen Isaura L. M. is 37 years old and married. She lives with her husband and unmarried children in Guaranda canton, in Bolívar province. She has 4 children.

The 'Grupo Enmanuel' community bank is located in San Juan, in Guaranda canton. The 17 members of this group work in short-cycle agriculture, growing corn, wheat and potatoes in large quantities. They also raise animals such as pigs and hens.

Carmen is a farmer who grows corn. She also raises pigs and hens. She buys her animal feed in 'Comercial Silva' every weekend and sells her products in the 'Feria de los Jueves' market in Guaranda.

Carmen is requesting this loan to grow corn, wheat and potatoes, and to buy animals. She will also buy feed supplies and supplies for her crops. The support of this loan will help her to financially cover her needs. She faces challenges in her business such as insect infestations, plant diseases and changes in the weather. Her dream is to have a stable income.

Carmen enjoys celebrating carnival festivities.
View original language description ↓
Carmen Isaura L. M. tiene 37 años, Es casada vive con el esposo y con los hijos solteros en el Cantón Guaranda Provincia de Bolívar. Tiene 4 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.

Carmen 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 ingresos estables.

Le gusta festejar las fiestas del carnaval.

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 $800 helped Carmen Isaura to grow corn, wheat and potatoes, and to buy animals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Mar 17, 2011
Currency Exchange Loss:
Mar 16, 2012