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Maria Manuela
María Manuela, 23, is married and has a son; she lives with her husband and son in Guaranda, Bolívar Province.

The “Mushuc Yuyay” communal bank is located thirty minutes from the office and it has ten members in the community of Quivillungo belonging to Guaranda.

María grows lettuce, broccoli, onions and also raises animals like chicks and cattle.

She asks for the loan to be able to buy seeds, fertilizer, urea, weed killers, onion plants and broccoli.

Her purchases and sales take place in Guaranda every fifteen days. With help from the loan she will be able to increase production. Her dream is to have a vehicle for her family. In her free time she likes to rest and also to dance.
View original language description ↓
María Manuela tiene 23 años de edad es casada tiene un hijo, vive con el esposo y con el hijo de 1 año de edad en Guaranda provincia de Bolívar.

La VRC Mushuc Yuyay está ubicada a 30 minutos de la oficina conformada por 10 socios en la comunidad Quivillungo Perteneciente a Guaranda.

María se dedica a la siembra de lechuga, brócoli, cebolla, además cría animales como pollos y ganado.

Solicita el crédito para poder comprar semillas, fertilizantes, urea, líquidos para la maleza, plantas de cebolla, brócoli.

Las compras y las ventas lo hace en Guaranda cada 15 días. Con la ayuda del crédito podrá incrementar la producción.

El sueño es contar con un vehículo para la familia. En el tiempo libre le gusta descansar y también bailar.

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
  • 80
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria Manuela to buy seeds, fertilizer, urea, weed killers, onion plants and broccoli.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 29, 2012
Mar 15, 2012
Currency Exchange Loss:
Mar 15, 2013