Update on Laura PiedadLaura Piedad is married and has 3 children. She lives with her husband and children ages 6, 3 and a 15 day-old newborn in the Guaranda Province of Bolívar.
She is a member of the group VRC VENTANAL which can be found in the community of Guantuncoto, in Julio Moreno Cantón Guaranda Parish, at a distance of 30 minutes from the loan office. The group members work in various activities, including agriculture, cattle, raising small animals like pigs, chicken and sheep, and working in sales and construction.
Laura works in agriculture raising animals, planting corn, beans, wheat, and barley. She owns her own home and the land that she plants is owned by family. She buys and sells in Guaranda. She is asking for a loan in order to plant corn, to purchase seeds and fertilizers, and to pay the people that help her. With their help she can improve her production.
Her dream is to be able to build her own home. The challenges that she faces include plagues and illnesses in the crops and livestock. In her free time she enjoys the festivities of carnival and San Pedro.
With the help of her previous loan she was able to improve the quality of life of her family, and her income has improved.
Es integrante de la VRC VENTANAL se encuentra formada en la comunidad Guantuncoto, Parroquia Julio Moreno Cantón Guaranda, a una distancia de 30 minutos de la oficina Los habitantes de la Comunidad se dedican a diferentes actividades como son: agricultura, ganadería, crianza de animales (cerdos, pollos, ovejas) comercio y construcción.
Laura se dedica a la agricultura crianza de animales, siembra de maíz, habas, trigo, cebada tiene casa propia los terrenos en los que siembra son de familiares.
Las compras y las ventas lo hace en Guaranda. Solicita el crédito para sembrar maíz, comprar abonos, semillas, fertilizantes y pagar a las `personas que le ayudan.
Con la ayuda podrá mejorar la producción.
El sueño es poder hacer una casa para que viva. Los desafíos a los que se enfrenta son las plagas y enfermedades en los cultivos. En el tiempo libre le gusta disfrutar de las festividades del carnaval y San Pedro.
Con la ayuda del crédito anteriuor pudo mejorar el estilo de vida de la familia, los ingresos han mejorado
Previous Loan DetailsLaura Piedad M. C. is 25 years old. She is married and lives with her husband and children. She lives in the canton of Guaranda in the Bolivar province. She has 2 children. Laura belongs to the rural communal bank "Guantucoto," located a half hour from Guaranda. The members of this group… More from Laura Piedad'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