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Maria Margarita
María Margarita is 37 years old. She is single and lives with her mother and 14-year-old son in Guaranda canton, in Bolívar province.

The 'Voluntad de Dios' community bank is located in the community of La Cría, 20 minutes from Guanujo parish, in Guaranda canton, Bolívar province. The members of this community bank work in farming and livestock raising.

María farms and raises livestock. She owns her own home and five 'cuadras' of land. She grows potatoes, corn, wheat, beans and peas. She also raises animals such as pigs, sheep, chickens and guinea pigs. She buys and sells her products in the town of Guaranda.

María is requesting this loan to buy manure, seeds, fertilizers, liquid pesticides and supplies to sow potatoes and increase her business. The loan will support her in covering her financial needs and improving her farming activities. She faces challenges such as the rise and fall of the prices of the products she sells and the sharp changes in the weather which we are experiencing.

María's dream is to buy a house in the city of Quito so that her son can go and study there and not have to pay rent.

María enjoys Carnival celebrations and local celebrations.
View original language description ↓
María Margarita tiene 37 años de edad es soltera, vive con la madre y con el hijo de catorce años de edad en el Cantón Guaranda Provincia de Bolívar.

Los Miembros de la VRC Voluntad de Dios, se encuentra ubicada en la comunidad la cría, Parroquia Guanujo a una distancia de 20 minutos perteneciente al Cantón Guaranda, los miembros de esta ventanilla se dedican a la Agricultura y ganadería.

María se dedica a la agricultura y ganadería, tiene casa propia, 5 cuadras de terreno, siembra papas, maíz, trigo, habas, alverja además cría otras especies de animales como cerdos, ovejas pollos y cuyes. Compra y vende sus productos en la ciudad de Guaranda

Solicita el crédito para la compra de abonos, semillas, fertilizantes, líquidos para plagas, insumos y para sembrar papas 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 comprarse una casa en la ciudad de Quito para que se pueda ir a estudiar el hijo y pueda vivir y no pagar arriendo.

Le gusta las festividades del carnaval y las del sector.

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
  • 105
    View loans »
    Ecuador Loans Fundraising
  • $24,223,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Maria Margarita to buy manure, seeds, fertilizers, liquid pesticides and other supplies to sow potatoes and increase her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Aug 4, 2011
Listed
Sep 8, 2011
Currency Exchange Loss:
N/A
Ended:
Sep 20, 2012