Zoila is a liquor sales assistant. She is applying for a loan to purchase furniture, a washing machine and a microwave oven.
With the help of a loan she will be able to upgrade her house. She will make her purchases in San Miguel.
Her dream is to be able to improve the quality of life of and establish a business with the whole family. The challenge she confronts is being able to study.
In her spare time she enjoys playing sports and walking with friends.
Zoila es ayudante de ventas de licores. Solicita el crédito para comprar muebles una lavadora y un microondas.
Con la ayuda del crédito podrá acondicionar la vivienda. Las compras las va ha realizar en San Miguel.
El sueño es poder mejorar la calidad de vida, establecer un negocio con toda la familia.
El desafío que enfrenta es poder estudiar. En el tiempo libre le gusta hacer deporte, camuinar con los amigos.
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!
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.
59View loans »
Success!! The loan was 100% repaid