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Norma Piedad

Update on Norma Piedad

Norma Piedad is 26 years old and lives with her partner of common law marriage and her children. She lives in Ventanas canton in the province of Los Ríos.

The 'Ciudadela Los Ángeles' community bank is located in Los Ángeles, in Ventanas canton. The members of the bank grow corn and rice.

Norma Piedad makes a living growing corn and rice. She buys her products in Ventanas and sells them in the market in Ventanas and also in the fairs that are close by.

She requested the loan to buy fertilizer, urea and liquid fertilizers to plant corn and rice. The loan helped her to increase her profits used for family consumption and for investment. Her dream is to have her own business and to buy a farm.

She likes to work in the fields and to spend time with her family.
View original language description ↓
Norma Piedad tiene 26 años de estado civil en Union Libre con el compañero y con los hijos . Vive en el Cantón Ventanas provincia de Los Ríos.

La ventanilla se llama CIUDADELA LOS ANGELES, se encuentra ubicada en el recinto los Ángeles, pertenecientes al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz.

Norma Piedad se dedica a la agricultura a la siembra de maíz y arroz. Compra sus productos en Ventanas y las vende en el mercado del mismo lugar y en las ferias de los alrededores.

El crédito solicito para la compra de abono, urea, líquidos 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 tener un negocio propio y comprar una finca.

Le gusta trabajar en el campo y salir con la familia.

Previous Loan Details

Norma Piedad is 25 years old. She is divorced and lives with her two children aged 3 and 6 in Ventanas canton, in Los Ríos province. The 'Ciudadela Los Ángeles' community bank is located in Los Ángeles, in Ventanas canton. The members of this bank grow crops such as corn and rice. Norma i... More from Norma Piedad's previous loan »

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!

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.

About Ecuador

  • $10,600
    Average annual income
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $24,616,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Norma Piedad to buy fertilizer, urea, and liquid fertilizers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 13, 2012
Jan 24, 2012
Currency Exchange Loss:
Aug 22, 2012