Update on Ana RosaAna Rosa, 23, is married and has two children; she lives with her husband and children who are 7 and 2 years old in Ventanas, Los Ríos Province.
She’s a member of the “Divino Niño” communal bank located in Recinto Estero Lindo belonging to Ventanas Canton. This communal bank is dedicated to short cycle corn and rice farming.
Ana Rosa farms corn. Her purchases and sales of products take place in Ventanas.
She’s asking for the loan to buy seeds, urea, manure, fertilizer and supplies. Support from the loan will improve the work. She faces challenges like infestations. Her dream is to buy a house. In her free time she likes to fix up the house.
Es integrante de la VRC DIVINO NIÑO, se encuentra ubicada en el Recinto Estero Lindo, perteneciente al Cantón Ventanas, esta Ventanilla se dedica a labores Agrícolas de ciclo corto siembra de maíz, arroz.
Ana Rosa se dedica a la Agricultura a la siembra de maíz. Las compras y las ventas de los productos lo hace en ventanas.
Solicita el crédito para comprar semillas, urea, abonos, fertilizantes, insumos. Con el apoyo del crédito mejorará el trabajo, Enfrenta desafíos como las plagas. El sueño es comprarse una casa.
En el tiempo libre le gusta arreglar la casa.
Previous Loan DetailsAna Rosa is 23 years old. She is married and lives with her husband and two children, aged 7 and 2, in Ventanas canton, in Los Ríos province. The "EL DIVINO NIÑO' community bank is located in Estero Lindo, in Ventanas canton. The members of this bank work in short-cycle agriculture, growing… More from Ana Rosa'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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