Update on Carmen IsauraCarmen Isaura is 37 years old. She is married with four children and they live in Guaranda, in the province of Bolívar. The Emmanuel Communal Bank is comprised of twelve members and is located 40 minutes from the office in San Juan de Llullundongo precinct, Guaranda.
Carmen works in agriculture planting potatoes and corn. She also raises pigs and chickens. She is requesting the loan to purchase compost, fertilizer, urea, and liquid pesticides. With the help of this loan, she will be able to protect her crops frominsect infestations. She makes weekly purchases and sales in Guaranda. Her dream is to own a truck to transport her products. She faces challenges dealing with the middle-men and transporting her products. During her free time, she rests and watches television.
Carmen is very grateful for the previous loan because it helped her to carry on her work and buy supplies for the crops, and in this way, earn more income for the benefit of her family.
La VRC Emmanuel está conformada por 12 socios esta ventanilla queda a 40 minutos de la oficina ubicada en el recinto San Juan de Llullundongo perteneciente a Guaranda.
Carmen se dedica a la agricultura a la siembra de papas, maíz, además cría cerdos y pollos.
Solicita el crédito para comprar abonos, fertilizantes, abono, urea, líquidos mata plagas. Con la ayuda del crédito podrá salvar los cultivos de las plasgas.
Las compras y las ventas lo hace en Guaranda semanalmente.
El sueño es poder tener una camioneta para transportar los productos. Los desafíos a los que se enfrenta son los intermediarios y el transporte.
En el tiempo libre le gusta descansar y ver televisión.
Carmen esta muy agradecida por el CREDITO ANTERIOR porque ha sido de mucha ayuda para trabajar y comprar los insumos para los cultivos y obtener màs ingresos Para el beneficio de la familia.
Previous Loan DetailsCarmen Isaura L. M. is 37 years old and married. She lives with her husband and unmarried children in Guaranda canton, in Bolívar province. She has 4 children. The 'Grupo Enmanuel' community bank is located in San Juan, in Guaranda canton. The 17 members of this group work in short-cycle… More from Carmen Isaura's previous loan »
About Cooperativa San JoseThis 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.
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Success!! The loan was 100% repaid