Update on Elsa DioniciaElsa Dionicia is 55 years old, married and lives with her husband and children in Ventanas Canton in the Campo Alegre precinct.
This communal bank, San Jacinto, is located in the Campo Alegre precinct, near Guare parrish, which belongs to Ventanas Canton. The members of this communal bank make their livings in short-cycle agriculture. They plant corn and rice.
Elsa Dionicia makes her living in agriculture; she has been growing corn and rice for more than 20 years, a legacy from her parents. She makes her purchases in Comercial Jiménez in the city of Ventanas, and she makes her sales in the same city.
Elsa Dionicia is requesting the loan in order to buy seeds, chemical fertilizers and organic fertilizers to take care of her crops. In addition, it will help to increase her family's income. Her dream is to purchase a house.
She enjoys housekeeping.
Esta ventanilla SAN JACINTO, se encuentra ubicada en el recinto Campo Alegre, cerca de la parroquia Guare perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz.
Elsa Dionicia se dedica a la agricultura siembra de maíz y arroz desde hace 20 años, herencia de los padres, las compras las realizan en comercial Jiménez de la ciudad de ventanas y las vende en la misma ciudad.
El préstamo lo solicita para la compra de semillas, fertilizantes y abonos para el cuidado de los cultivos, además le ayudado para aumentar los ingresos de la familia. Sueño es comprar una casa.
Le gusta arreglar la casa.
Previous Loan DetailsElsa Dionicia is 55 years old. She is married and lives with her husband and children: 20 year-old Edwin, 22 year-old Guillermo, 25 year-old Jenny and 30 year-old Maria, in Ventanas canton, in Los Ríos province. The San Jacinto community bank is located in Campo Alegre, in Guare parish, in Ve... More from Elsa Dionicia'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