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Luz Marina
Luz Marina, 51, is married and has no children. She lives with her husband in San Miguel in the province of Bolívar. Her communal bank is called "Yagui Chico" which is the name of her community. It is 20 minutes from the San Miguel Canton and agriculture is the source of income for the family.

Luz works in the field and takes care of the household. She grows corn and lima beans to sell and to use for home consumption. She buys and sells in San Miguel.

She is requesting a loan to invest in her agriculture business and plans to buy seeds, fertilizer and weed killer so she can pay for her childrens' education.

The loan will allow her to buy seeds and fertilizer without any problem. Her dream is to buy cropland so she does not have to rent land. Her greatest challenge is lack of water for the crops due to drought.

In her free time she enjoys celebrating the "Fiestas del Divino Niño" (Divine Child Festivities).
View original language description ↓
Luz Marina tiene 51 años de edad es casada no tiene hijos, vive con el esposo en san Miguel provincia de Bolívar.
La VRC SE LLAMA Yagui Chico tiene el nombre de la Comunidad, se encuentra a 20 minutos del Cantón San Miguel y se dedican a la agricultura como fuente de ingresos de la familia.

Luz se dedica a los trabajos del campo y a los quehaceres de la casa, lo que más siembra es maíz, habas, `para vender y también en poca cantidad para consumo de la casa.

Las compras y las ventas de los productos los hace en San Miguel.

Solicita el crédito para poder invertir en la agricultura en las compras de semillas, fertilizantes, líquidos para la maleza y para poder invertir en los estudios de los hijos.

Con la ayuda del crédito podrá comprar las semillas y abonos agrícolas sin ningún tipo xde problema.
El sueño es poder comprar terrenos para poder sembrar y no estar pagando arriendo.

El desafío que se le ha presentado es la sequedad la falta de agua para los cultivos.
En el tiempo libre le gusta celebrar las fiestas del divino niño.

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
  • 45
    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 $1,200 helped Luz Marina to buy seeds, fertilizer and weed killer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 21, 2011
Dec 21, 2011
Currency Exchange Loss:
Dec 15, 2012