Update on Ana MariaAna Maria is 38 years old, married, and lives with her husband and children in the neighborhood of Campo Alegre in the canton of Ventanas.
The San Jacinto Communal Bank is located in the neighborhood of Campo Alegre, which is near the parish of Guare in the canton of Ventanas. This Communal Bank consists of short-cycle farmers who grow corn and rice.
Ana Maria is a farmer who has been growing corn and rice for five years. She learned this trade from her parents. Her purchases are made at the Jiménez Commericial Center in the city of Ventanas and she sells her products in the same city. The loan she is requesting will be used to buy seeds, fertilizers, and composts for taking care of her crops. This will also help increase her family’s income. Her dream is to have a house.
Ana Maria enjoys remodeling her house and relaxing.
Le gusta arreglar la casa y descansar.
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.
Ana Maria se dedica a la agricultura siembra de maíz y arroz desde hace 5 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 tener una casa.
Le gusta arreglar la casa y descansar.
Previous Loan DetailsAna Maria is 38 years old. She is married and lives with her husband and five children in Ventanas canton, in Los Ríos province. The San Jacinto community bank is located in Campo Alegre, in Guare parish, in Ventanas canton. The members of this community bank work in short-cycle agriculture.… More from Ana Maria'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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