Update on Sara MarthaSara Martha is 19, married, and has a one-year-old child. They live together in the Guaranda province of Bolívar.
She is a member of the Ventanal communal bank in the Guantuncoto community, in the Julio Moreno parish, Guaranda canton. They are located 30 minutes from the Los Habitantes de la Comunidad office. The members work in various areas, such as: agriculture, livestock, raising animals (hogs, chickens, sheep), commerce, and construction.
Sara works in agriculture, raising animals and sowing corn, potatoes, wheat, and barley. She lives in the home of her parents-in-law.
She makes her purchases and sales in Guaranda. She is requesting this loan for sowing corn and for purchasing fertilizers and urea. With the help of this loan, she will be able to improve her production and her income.
Her dream is to be able to buy a plot of land and build a house.
Pests and plagues are challenges for her as a farmer. In her free time she likes to go out for walks and enjoy the carnivals and the San Pedro festival.
With the help of her previous loan she was able to improve her family's lifestyle. Her income and production have improved nicely.
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.
Sara se dedica a la agricultura, crianza de animales, siembra de maíz, papas, trigo, cebada en terrenos al partido, vive en casa de los suegros.
Las compras y las ventas lo realiza en Guaranda. Solicita el crédito para sembrar maíz comprar abonos agrícolas, urea. Con la ayuda del préstamo podrá mejorar la producción y los ingresos económicos.
El sueño es poder comprar terreno, construir una casa.
Los desafíos a los que se enfrenta es las plagas y enfermedades en los cultivos. En el tiempo libre le gusta salir a pasear, disfrutar de las festividades del carnaval y San Pedro.
Con la ayuda del préstamo anterior pudo mejorar el estilo de vida de la familia, los ingresos y la producción han aumentado en buena cantidad.
Previous Loan DetailsSara Martha Q. M. is 18 years old. She is married and lives with her husband and son in the Guaranda subdivision of the Bolivar province. She has one son. Sara belongs to the solidarity group Guantucoto which is located half an hour from Guaranda. The group is dedicated to agriculture and… More from Sara Martha'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