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María Laura
María Laura is 38 years old, married, and lives with her husband and children in Guaranda canton, in Bolívar province. She has seven children.

The 'Grupo de Mujeres Carbon Chinipamba' community bank is located in Carbón Chinipamba neighborhood, in Cuatro Esquinas sector, in Guaranda canton, twenty minutes from Cooperativa's offices. Most of the members of the bank work in farming, livestock raising and sales. They produce rice, barley, beans, quinoa, potatoes and animals such as dairy cows and farmyard animals.

María farms crops. She has a piece of land where she sows all barley, potatoes, corn, peas and wheat. The land belongs to her parents. She has six head of cattle, pigs, sheep and chickens. She makes her purchases in Guaranda market and makes her sales in the city's wholesale market.

María is requesting this loan to buy supplies and feed for her animals. The support of this loan will help her to financially cover her needs. She faces challenges such as pests, plant diseases and changes in the weather. Her dream is to provide her children with an education.

María enjoys listening to music and visiting her parents.
View original language description ↓
María Laura tiene 38 años, es casada vive con el esposo y con los hijos en el Cantón Guaranda Provincia de Bolívar. Tiene 7 hijos.

Los miembros de la V.R.C. GRUPO DE MUJERES CARBON CHINIPAMBA se encuentra ubicada en la comunidad carbón Chinipamba, sector cuatro esquinas Cantón Guaranda a una distancia de 20 minutos de la oficina de la cooperativa, la mayor parte de los socios se dedica a la agricultura, ganadería y comercio por lo que produce arroz, cebada, habas quinua, papas y animales de cómo: vacas lecheras y animales de corral.

María se dedica a la agricultura tiene un solar, siembra cebada, papas, maíz, arveja y trigo el terreno es de sus padres tiene seis cabezas de ganado, cerdos, ovejas y pollos. Las compras las realiza en el mercado de Guaranda y las vende en el mercado mayorista de la misma ciudad.

Solicita el crédito para la comprar de insumos y alimentación de los animales. 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 dar el estudio a los hijos.

Le gusta escuchar música y visitara los padres.

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
  • $22,840,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped María Laura to buy supplies and feed for her animals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
May 11, 2011
Listed
May 20, 2011
Currency Exchange Loss:
N/A
Ended:
Jun 15, 2012