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Enma Patricia
Enma Patricia is 29 years old, married and lives with her husband and their four children, ages 9, 7, 6 and 1, in Montalvo, province of Los Ríos. The PITA "ventanilla" is located in the San Pablo de Pita neighborhood in the town of Caluma, 45 minutes from Montalvo. This ventanilla is dedicated to agricultural work and maintaining crops of oranges, bananas, cocoa and coffee. Enma makes a living raising cocoa, bananas and orange on long cycles. She buys her supplies at the San Rafael market in Caluma and sells the products in Montalvo. She is requesting the loan to purchase supplies like fertilizers, urea, pruners and to clear her land from weeds and plant disease. The loan will help her improve the quality of her products and avoid crop losses. Her dream is to purchase a car, get more products and expand her production. She likes to be a good, calm and responsible person in her work.
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Enma Patricia tiene 29 años es casada vive con el esposo y con los hijos tiene 4 hijos de 9, 7, 6 y 1 Vive en Montalvo Provincia de Los Ríos.

La ventanilla se llama PITA se encuentra ubicada En el Recinto San Pablo de Pita perteneciente al Canton Caluma a 45 minutos de Montalvo esta ventanilla se dedica a labores agrícolas a mantener los cultivos de naranja, guineo, orito, cacao y café.

Enma se dedica a cuidar las plantaciones de cacao, guineo y naranja ya que estos productos son de ciclo largo, las compras las realiza en Comercial San Rafael en Caluma y las vende en Montalvo.

El credito lo solicita para la compra de insumos como: abonos, urea, podas, limpieza del terreno de las malas hiervas y evitar enfermedades en los cultivos. El credito le ayudado a incrementar la calidad de los productos y evitar pérdidas en los cultivos. El sueño de Enma es comprar un carro, obtener mas productos y mayor produccion.

Le gusta ser una persona buena, tranquila y responsable en su trabajo.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Enma Patricia to purchase fertilizers, urea and pruners, and rid the land of weeds and plant disease.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 16, 2012
Feb 29, 2012
Currency Exchange Loss:
Mar 15, 2013