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Maria Beatriz
María Beatriz , 25, is married and has 2 children. She lives with her husband and children--8- and 6-years old, respectively--in Ecuador's Bolivar province.
She is a member of the VENTANAL community bank in Guantuncoto, some 30 minutes from our office. The people of the town make their livings from businesses that include: farming, ranching, livestock-rearing (pigs, chickens, sheep), retailing and construction.
Maria splits her time between a farming business and household chores.
She buys and sells what she needs in Guaranda. She is applying for a loan to buy supplies for her farming business: seeds, manure, fertilizers, urea.
With your help, she will be able to plant and harvest a good crop.
Her goals are to provide her children with a good education and build a house.
The challenges she faces include unexpected illnesses and competition from other farmers.
In her free time, Maria likes to join Carnaval celebrations.
View original language description ↓
María Beatriz tiene 25 años de edad es casada tiene 2 hijos, vive con el esposo y con los hijos de 8 y 6 años de edad en Guaranda Provincia de Bolívar.
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.
María se dedica a la agricultura y quehaceres domésticos.
Las compras y las ventas lo hace en Guaranda. Solicita el crédito para invertir en la agricultura, comprar semillas, abonos agrícolas, fertilizantes, urea. Con la ayuda del préstamo podrá tener una buena siembra y producción.
El sueño es poder dar un mejor estudio a los hijos y poder construir una casa.
Los desafíos a los que se enfrenta son las enfermedades causales y en el negocio existe también competencia.
En el tiempo libre le gusta disfrutar de las festividades del carnaval.

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
  • 88
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Maria Beatriz to buy seeds and other supplies for her farming business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 21, 2011
Dec 9, 2011
Currency Exchange Loss:
Dec 15, 2012