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Yolanda Esmeralda
Yolanda Esmeralda is 48 years old, single and lives with her 12 year old daughter in the Chillanes neighborhood, province of Bolívar.

The V.R.C. COOPERATIVA Patrón San Miguel Communal Bank is located in the Pailaloma area some 60 minutes from the office in the Chillanes neighborhood. The Bank is made up of 13 members who are in agriculture; they grow corn, potatoes and wheat.

Yolanda is a farmer; she grows corn, potatoes, and wheat. She buys her products in Chillanes and San Pablo at the end of each month and later sells them in the Sunday market of Chillanes.

Yolanda needs the loan to buy materials for her crops as well as fertilizers and manure. The loan will help her economically to meet her needs and increase her production as she fights plagues, diseases and the change in climate that affects her crops. Yolanda’s dream is to give her daughter everything she needs, especially and education.

She considers herself to be a happy person.

View original language description ↓
Yolanda Esmeralda tiene 48 años, es soltera vive con una hija de 12 años en el Cantón Chillanes Provincia de Bolívar.

Los miembros de la V.R.C. COOPERATIVA Patrón San Miguel se encuentra ubicada en el recinto Pailaloma a 60 minutos de la oficina pertenece al Cantón Chillanes, esta ventanilla de 13 miembros se dedica a las labores agrícolas de cultivos de maíz, papas y trigo.

Yolanda se dedica a la agricultura a la siembra de maíz, papas y trigo, los productos los compra en Chillanes y en San Pablo cada fin de mes y los vende en la feria de los domingos en Chillanes.

Solicita el crédito para la comprar de insumos para los cultivos además de fertilizantes y abonos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades y aumentar la producción. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es dar lo que la hija necesite sobre todo la educacion.

Ser una persona alegre.

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
  • 85
    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 Yolanda Esmeralda buy materials for her crops as well as fertilizers and manure.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 20, 2011
May 26, 2011
Currency Exchange Loss:
Jun 27, 2012