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Maria Teresa
María Teresa, 45, is married. She lives with her husband and children who are 16 and 1 year old in Guaranda Canton, Bolívar Province.

The members of the Calli Kausay communal bank are located in the community of Tolapungo, Veintimilla Sector, belonging to Guaranda Canton. They are in farming, livestock raising, livestock sales, vegetable sales, and others.

María is a livestock merchant, farmer, raises animals. Her husband works in construction. He purchases and sales take place in the Guaranda wholesale market.

She is asking for the loan to purchase heads of cattle, feed, and seeds for her fields. The loan will help her meet her economic needs and improve her quality of life. Her dream is to buy a piece of land. She enjoys going household chores.
View original language description ↓
María Teresa tiene 45 años de edad, es casada, vive con su esposo e hijos de 16 y 1 año, 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.

María se dedica al comercio de ganado, agricultura, crianza de animales, su esposo de dedica a la construcción. Compra y vende sus productos en el mercado mayorista de Guaranda.

Solicita el crédito para comprar cabezas de ganado, alimentacion y semillas para los cultivos. El crédito le servirá de apoyo para suplir sus necesidades económicas y mejorar su calidad de vida. Su sueño es comprar un terreno.

Le gusta dedicarse a labores del hogar y pasar mas tiempo con la familia.

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
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Maria Teresa to purchase heads of cattle, feed, and seeds for her fields.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 5, 2011
Aug 8, 2011
Currency Exchange Loss:
Aug 16, 2012