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Maria Zoila Rosa
María Zoila, 50, is a widow and has a daughter; she lives with her 25 year old daughter in Guaranda Province in Bolívar.

The “Emmanuel” communal bank has 12 members and is located 40 minutes from the office located in Recinto San Juan de Llullundongo belonging to Guaranda.

María farms potatoes, vegetables, onions and cabbage and she also raises chickens, pigs and cattle.

She requests the loan to buy fertilizer, organic manure, urea, onion plants and broccoli. With help from the loan she will be able to rescue the crops from weeds.

Her purchases and sales take place in Guaranda every 15 days. Her dream is to be able to have a vehicle of her own. The challenges she faces are competition and bad weather. In her free time she likes to rest and to enjoy Carnival time.
View original language description ↓
Mará Zoila tiene 50 años de edad es viuda tiene una hija, vive con la hija de 25 años de edad en Guaranda provincia de Bolívar.

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.
María se dedica a la agricultura a la siembra de papas, legumbres, cebollas, col, además cría pollos, cerdos y ganado.
Solicita el crédito para comprar fertilizantes, abono orgánico, urea, plantas de cebollas, brócoli. Con la ayuda del crédito podrá salvar los cultivos de la maleza.

Las compras y las ventas lo hace en Guaranda cada 15 días. El sueño es poder tener un vehículo que sea propio. Los desafíos a los que se enfrenta es la competencia y el mal clima.

En el tiempo libre le gusta descansar y disfrutar de las fechas del carnaval

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
  • 77
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Zoila Rosa to buy fertilizer, organic manure, urea, onion plants and broccoli.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 9, 2012
Mar 21, 2012
Currency Exchange Loss:
Apr 18, 2013