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Rita Del Carmen

Update on Rita Del Carmen

Rita del Carmen is 42 years old and married with three children. She lives with her husband and children in the canton of Ventanas in the Los Rios province. She is a member of the communal bank 27 de Octubre, which is located in the Santa Sofia precinct in the Ventanas canton. This solidarity group earns their living through short-rotation farming of corn, rice and pigeon pea beans.

Rita makes a living in agriculture cultivating corn and pigeon pea beans. She makes her purchases and sales in Ventanas. Rita is requesting a loan to buy seeds, fertilizers, urea [an organic compound used with fertilizer] and liquids. With the help of a loan, she will be able to buy compost in order to work in the agricultural sector. The challenges she faces are pests.

Her dream is to be able to own a house with land and in her free time she likes to do housework.
View original language description ↓
Rita del Carmen tiene 42 años de edad es casada tiene tres hijos, vive con el esposo y con los hijos en el cantón ventanas Provincia de los ríos.

Es integranbte de la VRC 27 DE OCTUBR, se encuentra ubicada en el recinto Santa Sofía, Perteneciente al Cantón Ventanas, Esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz, arroz, frejol gandul.

Rita se dedica a la agricultura a la siembra de maíz y frejol gandúl. Las compras y las ventas lo ahace en ventanas.

Solicita el crédito para comprar semillas, fertilizantes, urea, líquidos.Con la ayuda del crédito podra comprar los abonos agricolas para poder trabajar en la agricultura. Los desafíos a los que se enfrenta son las plagas.

El sueño es poder tener casa propia y terrenos. en el tiempo libre le gusta realizar los quehaceres domésticos.

Previous Loan Details

Rita del Carmen is 42 years old and married. She lives with her husband and children in the canton of Ventanas in Los Ríos Province. The October 27th Communal Bank is located in the neighborhood of Recinto San Sofia, which is part of the canton of Ventanas. This Communal Bank is composed ... More from Rita Del Carmen'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
  • 55
    View loans »
    Ecuador Loans Fundraising
  • $24,996,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Rita Del Carmen to buy seeds, fertilizer, urea and liquids.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 18, 2012
Feb 1, 2012
Currency Exchange Loss:
Aug 22, 2012