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Transito is 36 years old, married, and she lives with her husband and her children, aged 16, 12, 10 and 2. They live in the canton of Guaranda in the Bolivar province.

The communal bank "Alli Kausay" is located in the community of Tolapungo, in the sector of Veintimilla. It belongs to the canton of Guaranda. The members of this group are dedicated to agriculture, raising livestock, and selling cattle, vegetables and other products.

Transito sells vegetables and she is an agriculturist as well as a livestock farmer. Her husband is a construction worker. They have a greenhouse, a house of their own, and they plant corn, wheat, fava beans, potatoes and they also have a cow and a pig. She busy and sells her products in the wholesalers market in Guaranda.

She requests a loan to purchase fertilizers and products for the cultivation to increase her business. The loan will help her to meet her financial needs and to improve her agricultural activities. She is faced with the variable prices of products that she sells, as well as the sudden changes in climate that we are experiencing. Her dream is to increase her production and to provide for her children.

She enjoys parties, house work, and traveling.
View original language description ↓
Transito tiene 36 años de edad, es casada vive con su esposo e hijos de 16, 12, 10 y 2 años, en el Cantón Guaranda Provincia de Bolívar.

Los miembros de la V.R.C ALLI KAUSAY, se encuentra ubicada en la comunidad Tolapungo, sector Veintimilla, perteneciente al cantón Guaranda, los miembros de esta ventanilla se dedican a la agricultura, crianza de animales, comercio de ganado, legumbres y otros.

Transito se dedica al comercio de legumbres, agricultura, crianza de animales, el esposo se dedica a la albañilería, tiene un medio solar, casa propia, siembra maíz, trigo, habas, papas, además tiene una vaca y un cerdo. Compra y vende sus productos en el mercado mayorista de Guaranda.

Solicita el crédito para, compra de abonos e insumos para los cultivos e incrementar su negocio. El crédito le servirá de apoyo para suplir sus necesidades económicas y mejorar sus actividades agrícolas. Enfrenta desafíos el incremento y caída de precios de los productos que comercializa, así como los bruscos cambios climáticos por los que estamos atravesando. Su sueño es ampliar su producción y sacar a sus hijos adelante.

Le gusta las fiestas, realizar actividades domésticas, pasear.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Transito to purchase fertilizers and products to improve her agricultural business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 5, 2011
Aug 5, 2011
Currency Exchange Loss:
Aug 16, 2012