Update on Susana MarleneSusana Marlene is 25 years old and married. She lives with her husband and her children who are 9 and 8 years old. She lives in San Temistocles, in Ventanas canton.
The Narcisa de Jesus community bank is located in San Temistocles, in Ventanas canton. The members of this bank work in short-cycle agriculture, growing corn and rice.
Susana Marlene is a farmer who has been growing corn for two years. She buys her products in Ventanas and sells them in the market in the same place.
Susana Marlene will use the loan that she requested to buy seeds and fertilizers for growing corn and rice. The loan will help her to increase her income which means she will be able to help her family and invest. Her dream is to buy a plot of land and a vehicle.
Susana Marelene enjoys going out for walks.
La ventanilla NARCISA DE JESUS se encuentra ubicada en el Recinto San Temistocles, perteneciente al cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembre de maíz y arroz.
Susana Marlene se dedica a la agricultura a la siembra de maíz desde hace 2 años. Compra sus productos en Ventanas y las vende en el mercado del mismo lugar.
El crédito solicito para la compra de semillas y fertilizantes para la siembra del maíz y arroz. El préstamo le ayudado para aumentar los ingresos para el consumo de la familia y para invertir. Su sueño es comprar un terreno y un vehículo.
Le gusta ir de paseo.
Previous Loan DetailsSusana Marlene is 25 years old, married and living with her husband and two children in Ventanas Canton, Los Ríos Province. This communal bank is called “Narcisa de Jesús” and is located in San Temístocles which belongs to Ventanas Canton. The members of this communal bank are short cycle cor... More from Susana Marlene'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
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- At end of term
- Dec 5, 2011
- Dec 21, 2011
- Currency Exchange Loss:
- Jul 24, 2012
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.