Update on Sonia MarielaSonia Maria, age 21, is married and has two children. She lives with her husband, three year old daughter, and four month old son in Ventanas Canton, Los Rios Province.
The San Jose Communal Bank is located in the El Rosario section of Ventanas Canton. This communal bank concentrates on short cycle agricultural work—the planting of corn and rice.
Sonia has been involved with domestic work for many years. She also has been engaged in farming for three years and in raising pigs, cattle, and chickens. She carries out her purchases and sales in Ventanas.
Sonia is applying for this loan in order to be able to plant corn by purchasing fertilizers, urea, and compost. Her dream is to construct a house. She hasn’t had any problems with her business. During her free time, she likes to watch television.
With the help of her prior loan she was able to invest in farming and planted corn, rice and beans. This helped very much in obtaining economic benefits for the wellbeing of her family. She is very thankful for the help she has been offered.
La VRC. SAN JOSE Se encuentra ubicada en el Recinto El Rosario, perteneciente al Cantón Ventanas, esta ventanilla se dedica a Labores Agrícolas de ciclo corto siembra de maíz, arroz.
Sonia se dedica a los quehaceres domésticos hace muchos años, se dedica también a la agricultura hace tres años y a la cría de chanchos, ganados y gallinas.
Las compras y las ventas lo realiza en Ventanas. Solicita este crédito para poder sembrar maíz, comprar insumos, fertilizantes, urea, abonos.
El sueño es poder construir una casa , no se le ha presentado ningún tipo de problemas.
En los tiempos libres le gusta ver televisión.
CON LA AYUDA DEL CRÉDITO ANTERIOR ha podido invertir en la agricultura ha sembrado maíz, arroz y fréjol ayudado muchísimo a obtener beneficios económicos para el bienestar de la familia.
"Está muy agradecido por la ayuda brindada"
Previous Loan DetailsSonia Mariela is 21 years old, married, and lives with her husband and son in the Canton of Ventanas, located in the Province of Los Ríos.
The members of the San José Communal Bank are located in the El Rosario precinct belonging to the Canton of Ventanas. They work in short-cycle agricult... More from Sonia Mariela's previous loan »
About Cooperativa San JoseThis 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!
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid