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Karem Lisbeth
Karen Lisbeth is 20 years and single. She doesn't have any children and lives with her mother in Ventanas canton, in Los Ríos province.

The 'Tierra Nuestra' (Our Land) community bank is located in San Luis de Zapotal, in Ventanas canton. The members of this community bank work in short-cycle agriculture, growing crops such as corn and rice.

Karen is a farmer who grows corn and rice. She buys her products in Comercial AGRIPAC and makes her sales in the wholesale market in Ventanas.

Karen is requesting this loan so that she can grow corn and rice. She will buy seeds and manure. The support of this loan will help her to financially meet her needs. She faces challenges in her business such as pests and a lack of money to pay more workers. Her dream is to some day grow cacao and set up a coffee factory.

Karen enjoys listening to music and dancing.
View original language description ↓
Karen Lisbeth tiene 20 años, Es soltera vive con la madre no tiene hijos, en el Cantón Ventanas Provincia de los Ríos.

Los miembros de la V.R.C. TIERRA NUESTRA, se encuentra ubicada en el recinto San Luis de Zapotal, perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto como siembre de maíz y arroz.

Karen se dedica a la agricultura a la siembra de maíz y arroz. Compra sus productos en Comercial AGRIPAC y los vende en el mercado mayorista de Ventanas.

Solicita el crédito para sembrar maíz y arroz, compra de semillas y abonos de maiz y arroz. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrenta desafíos como plagas en los cultivos y la falta de dinero para pagar a mas trabajadores. Su sueño es algun dia cultivar cacao y poner una fabrica de cafe.

Le gusta escuchar musica y bailar.

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
  • 66
    View loans »
    Ecuador Loans Fundraising
  • $24,577,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Karem Lisbeth to buy seeds and manure for her corn and rice crops.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 8, 2011
Aug 1, 2011
Currency Exchange Loss:
Feb 15, 2012