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Delia Cemira
Delia Cemira is 29 years old and single. She lives with her parents and her two children, ages six and two. They live in the Chillanes canton in the Bolívar province.

The Luz y Progreso (Light and Progress) communal bank is located in the San José de Guayabal precinct in the Chillanes canton. This commercial bank devotes itself to growing short cycle corn and to buying and selling chickens.

Delia Cemira grows corn and raises chickens. She makes her purchases and sales in Chillanes.

She requested the loan to buy manure, urea, and liquid fertilizers for growing corn. She will also buy suitable feed for her animals. The loan helped her to increase the income for the family’s use and for investing.

Her dream is to increase her crops and to be able to one day build a small house. She also dreams of having better income, which would give her a better quality of life.

She likes spending time with her children, and she likes it when Carnival comes.
View original language description ↓
Delia Cemira tiene 29 años de edad de estado civil Soltera, vive con sus padres y los dos hijos de 6 y 2 años de edad en el Cantón Chillanes provincia de Bolívar.

La ventanilla LUZ Y PROGRESO se encuentra ubicada en el Recinto San Josè de Guayabal, perteneciente al cantón Chillanes, esta ventanilla se dedica a labores agrícolas de ciclo corto siembre de maíz, a la compra venta de gallinas.

Delia Cemira se dedica a la agricultura a la siembra de maíz, y a la crianza de gallinas. Las compras y las ventas lo hace en Chillanes.

El crédito solicito para la compra de abono, urea, líquidos fertilizantes para la siembra del maíz, y para la compra de comida adecuada para sus animales. El préstamo le ayudado para aumentar los ingresos para el consumo de la familia y para invertir. Su sueño es incrementar los sombríos de y poder construir algún día su casita, para tener mejores ingresos y así un mejor estilo de vida.

Le gusta pasar con sus hijos y que llegue el 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
  • 85
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Delia Cemira to buy manure, urea, and liquid fertilizers for growing corn.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 21, 2011
Jan 8, 2012
Currency Exchange Loss:
Jan 15, 2013