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María Margarita
María Margarita is 49 years old. She is a widow and lives with her children in Guaranda canton, in Bolívar province. She has four children.

The Pucara Group community bank is located in Pucara community, in Guanujo parish, in Guaranda canton, 15 minutes from Cooperativa's offices. This bank has 22 members who work in farming, livestock raising and vegetable sales.

María sells cheese and farms. She has nine and a half acres of land where she grows naranjillas (a native fruit) and blackberries. She also owns pasture and six head of cattle. She makes her purchases in Guaranda market and her sales in the wholesale market in Guaranda.

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 in her work such as pests, plant diseases and changes in the weather. Her dream is to provide her children with a good education and to fix up her home.

María enjoys going for walks with her children and going out shopping.
View original language description ↓
María Margarita tiene 49 años, es viuda vive con los hijos en el Cantón Guaranda Provincia de Bolívar. Tiene 4 hijos.

Los miembros de la V.R.C. GRUPO PUCARA se encuentra ubicada en la comunidad Pucara Parroquia Guanujo, cantón Guaranda a una distancia de 15 minutos de la oficina de la cooperativa, esta ventanilla integran 22 socios que se dedican a la agricultura, crianza de animales y a la comercialización de venta de legumbres.

María se dedica al negocio de quesos y a la agricultura, tiene seis cuadras de terreno, siembra naranjilla, mora, además tiene potreros y seis cabezas de ganado. 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 un buen estudio a los hijos y arreglar la vivienda.

Le gusta salir a pasear con los hijos y salir a comprar.

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
  • 47
    View loans »
    Ecuador Loans Fundraising
  • $23,087,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped María Margarita 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 19, 2011
Listed
May 22, 2011
Currency Exchange Loss:
N/A
Ended:
Jun 15, 2012