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Carmen Francisca
Carmen Francisca is 34 years old, single, and has no children. She lives with her mother in Chillanes, Bolivar province.

Her communal bank, “La Florida,” is composed of 12 members, male and female, and is located in Chillanes canton, some 5 minutes from our office.

As a farmer, Carmen grows corn and beans, in addition to selling cheese, eggs, and hens. She buys and sells in Chillanes each weekend.
Carmen is requesting a loan to buy more hens. With the help of this loan, her quality of life should improve.

Carmen's dream is to have a vehicle in which to transport her products. Competition is among the challenges that daily present themselves.

In her free time, she likes to rest or enjoy the carnival. Carmen is considered a happy hard-working person with much solidarity.
View original language description ↓
Carmen Francisca tiene 34 años de edad es soltera no tiene hijos, vive con la madre en Chillanes provincia de Bolívar.

La VRC la florida está conformada por 12 socios y socias esta ubicada en el Cantón Chillanes a 5 minutos de la oficina.

Carmen se dedica a la agricultura al cultivo de maíz y frejol además al comercio de queso huevos y gallinas.

Las compras y ventas lo realiza en Chillanes cada fin de semana, Solicita el crédito para poder comprar animales ( gallinas).
Con la ayuda del crédito mejorará la calidad de vida. El sueño es poder tener un vehículo para transportar los productos.

Los desafíos que se le presenta a diario e sla competencia. En los tiempos libres le gusta descansar, disfrutar del carnaval se considera una persona alegre, trabajadora y solidaria.

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
  • 75
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Carmen Francisca to buy more hens.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 31, 2011
Nov 17, 2011
Currency Exchange Loss:
Nov 20, 2012