Update on Rosa ClotildeRosa is a member of the "Siempre Amigas" communal bank. She lives in the El Valle parish in Cuenca. This parish is known for its beautiful natural surroundings. Its inhabitants devote themselves to raising animals, farming, and commerce. Many of them work at various business activities in Cuenca. They maintain the culture and traditions of their ancestors.
Rosa is 41, married, and has three children. Two are married and independent, and her unmarried daughter works and helps her financially. Her husband is a master carpenter, and he works in a workshop. They own the house where they live.
Rosa tells us that she is in very good health, the same as all the rest of her family members. She works as a domestic employee, and she raises chickens at her house. The business is going well for her. She works at these business activities in order to contribute to the household finances and to get her family ahead.
She used the previous loan to buy pigs and feed for them. As raising these animals is going well for her, she is requesting a new loan. She will use it to buy chickens and pigs in order for her business to grow. She did not have any difficulty paying the previous loan on time. She likes the communal bank because of the easy terms of the loans and for the personalized attention the loan facilitators provide.
Her goal is to fix her house.
Doña Rosa tiene 41 años, es casada y ha concebido 3 hijos, dos son casados e independientes y su hija soltera trabaja y le ayuda económicamente. Su esposo es maestro carpintero y labora en un taller, la casa en la que habita es de su propiedad.
Doña Rosa nos comenta que se encuentra muy bien en su salud al igual que están todos los miembros de su familia. Ella labora como empleada domestica y en su casa se dedica a la cría de pollos negocio en el que le va bien, labora en estas actividades para aportar a la economía de su hogar y sacar adelante a su familia.
El dinero de su crédito anterior lo invirtió en la compra de cerdos y su alimento y como le va bien en la crianza de estos animalitos está pidiendo un nuevo crédito el mismo que lo va a invertir en la compra de pollos y cerdos para crecer más en este negocio. En el pago de su crédito anterior no tuvo ninguna dificultad realizando la cancelación a la fecha. La banca comunal le gusta por la facilidad de los créditos y la atención personalizada que les brindan los promotores de crédito.
Su meta es mejorar su casa.
Previous Loan DetailsRosa is a member of the "Siempre Amigas" communal bank. She lives in the community of Parroquia del Valle. This is a place known for its natural abundance and lovely landscapes. Its inhabitants are warm and friendly, and maintain the culture and traditions of their people. She is a small business... More from Rosa Clotilde'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
- 8 months (Additional Information)
- Repayment Schedule
- Feb 23, 2012
- Mar 21, 2012
- Currency Exchange Loss:
- Sep 15, 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.