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Martha Beatriz
Martha Beatriz is 20 years old, married, and has two children. She lives with her husband and children (ages 3 and 10 months) in Guaranda in Bolívar Province.


Martha is a member 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.


Martha is a farmer who grows corn. She also raises cattle at her grandmother’s house. Martha buys her supplies and sells her agricultural products in Guaranda. She is requesting a loan in order to buy seeds, compost, fertilizers, and urea. The help from this loan will improve her family’s financial situation. She dreams of moving to a city where there is more work. The challenges she faces include the lack of water, which causes her crops to become dry.


In her free time, Martha likes to relax and spend time with her children.

View original language description ↓

Martha Beatriz tiene 20 años de edad es casada tiene dos hijos, vive con el esposo y con los hijos de 3 y 10 meses de edad 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.
Martha se dedica a la agricultura siembra de maíz, tiene ganado, el vive con la abuela. Las compras y las ventas de los productos de la agricultura lo hace en Guaranda.
Solicita el crédito para comprar semillas, abonos, fertilizantes, urea, con la ayuda del préstamo podrá mejorar la situación económica de la familia.
El sueño es poder cambiar de ciudad donde haya más trabajo. Los desafíos a los que se enfrenta es la falta de agua, sequedad en los cultivos.
En el tiempo libre le gusta descansar, pasar el tiempo con los hijos.

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

  • $10,200
    Average annual income
  • 10
    View loans »
    Ecuador Loans Fundraising
  • $22,545,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Martha Beatriz to buy seeds, compost, fertilizers, and urea.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Nov 17, 2011
Listed
Dec 3, 2011
Currency Exchange Loss:
N/A
Ended:
Jan 15, 2013