Update on DaysiThe Quiroga communal bank meets every two weeks In the Quiroga parish of the city of Calceta. In this area many people are involved in farming, raising livestock and selling their products.
Mrs. Daysi is a founding member of the communal bank and acts as its secretary. She likes the additional benefits the institution offers as well as the easy access to loans. She is 46 years old and married, and has four children, two of which are adults and the other two are 17 and 15 years old. The latter still live at home and study, one at the university and the other at school. Her husband is a security guard.
She is a homemaker who is determined to get ahead, and decided to set up an organic fertilizer business to produce and sell to the greenhouses and farms in the area. She learned her trade a long time ago and is doing very well since she receives many orders for her products, especially in the seed sewing season. She works Monday through Friday from 9:00 a.m. to 3:00 p.m.
She is requesting a loan to buy certain components to make organic fertilizer, such as manure, leaves, branches, crop waste, husks, etc
Her goal is to provide a good lifestyle for her children so they can be successful in their careers.
La señora Daysi es socia fundadora del Banco comunal, es la secretaria y le gusta por los beneficios adicionales que brinda la institución y por las facilidades para conseguir los créditos. Tiene 46 años de edad, está casada y de esta relación tiene cuatro hijos dos de los cuales ya son mayores de edad y dos de 17 y 15 años que son los dos aun viven con ella, los dos estudian en Universidad y colegio. Su esposo es guardia de seguridad.
Ella es una ama de casa con ganas a salir adelante para lo cual ha puesto un negocio de producción y venta de abonos orgánicos, los mismos que entrega a viveros y a agricultores de la zona, esto lo aprendió hace un tiempo y le va muy bien ya que tiene bastantes pedidos de sus productos más que todo en esta época del año que es temporada de siembras, trabaja de lunes a viernes desde las 9am hasta las 15h00.
Esta solicitando este crédito para comprar ciertos elementos necesarios como estiércol, hojas, ramas, residuos de cosechas, cascaras, etc. para producir el abono orgánico.
Su sueño es darles un buen futuro para sus hijos y que estos sean profesionales.
Previous Loan DetailsThe Quiroga communcal bank meets every two weeks In the Quiroga parish of the city of Calceta. In this area many people are involved in farming, raising livestock and selling their products. Mrs. Daysi is a founding member of the communal bank and acts as its secretary. She enjoys the… More from Daysi's previous loan »
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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Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Jan 31, 2012
- Feb 10, 2012
- Currency Exchange Loss:
- Jun 16, 2012
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.