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Maria Dolores
María Dolores is 32 years old, single, and has no children. She lives with her mother in Guaranda, which is in Bolívar Province.

María Dolores is a member of the Communal Bank “Pangua” which is located in the community of Pangua Chaupiyacu and part of Guanujo parish in the canton of Guaranda. This community is 15 minutes away from the office of Cooperativa San Jose. The members of the Pangua Communal Bank work mostly in agriculture and livestock breeding, but they also engage in other business activities, such as retail and construction, in order to earn most of their income.

María engages in livestock breeding and farming. Her purchases and sales are conducted in Guaranda. She is requesting a loan in order to buy animals, such as cattle and sheep. With the help of this loan, María will be able to improve her financial stability. Her dream is to buy a house. The challenges she faces include preventing her crops from drying out.

In her free time, María Dolores likes to rest. Occasionally she will spend time in the city.

View original language description ↓
María Dolores tiene 32 años de edad es soltera no tiene hijos, vive con la madre en Guaranda provincia de Bolívar.
Es integrante de la VRC PANGUA, se encuentra ubicado en la comunidad Pangua Chaupiyacu, Parroquia Guanujo Cantón Guaranda, La comunidad está a 15 minutos de la Oficina Los miembros de la Ventanilla Pangua se dedican la mayoría a la Agricultura y ganadería y también a otras actividades donde obtienen mayores ingresos económicos como: el comercio y la construcción.

María se dedica a la ganadería y la agricultura.

Las compras y las ventas los realiza en Guaranda. Solicita el crédito para comprar animales (ganado y ovejas). Con la ayuda del crédito podrá mejorar la estabilidad económica.
El sueño es poder comprase una casa. Los desafíos a los que se enfrenta es la sequedad en los cultivos.
En el tiempo libre le gusta descansar a veces pasea por la ciudad.

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
  • 53
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Maria Dolores to buy cattle and sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 17, 2011
Dec 2, 2011
Currency Exchange Loss:
Jan 15, 2013