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Maria Luisa
Maria Luisa is 30 years old, single, and has 1 son. She lives with her mother in Guaranda, Bolivar province. Maria is a farmer and cultivates potatoes and corn. In addition, she raises chickens and pigs, and also does weaving.

Her communal bank, “Arte y Cultura (Art and Culture) 'Wari',” is located in Larkaloma community, some 45 minutes from our office. It is composed of 11 members.

Maria is requesting a loan to buy manure, seeds to plant, fertilizers, and liquids. With help from the loan she will be able to save her potato and corn crops. Her purchases and sales are made in Guaranda every 15 days.

Maria's dreams are to have a vehicle and a house of her own. The challenges she faces include transportation, competition, and the middle men. In her free time, she rests and the time of year she likes most is Christmas.
View original language description ↓
María Luisa, tiene 30 años de edad es soltera, tiene 1 hijo y vive con su madre en Guaranda provincia Bolívar.

La VRC Arte y Cultura “Wari” se encuentra en la comunidad de Larkaloma a 45 minutos de la oficina, está conformada por 11 socios

María se dedica a la agricultura a la siembra de papas, maíz, además a la crianza de pollos y cerdos, también se dedica a realizar tejidos.

Solicita el crédito para comprar abonos, semillas insumos, fertilizantes, líquidos. Con la ayuda del crédito podrá salvar los cultivos de papas y maíz. Las compras y las ventas lo hace en Guaranda cada quince días.

El sueño es poder tener un vehículo y casa propia. Los desafíos a los que se enfrenta es el transporte, la competencia y los intermediarios.

En sus momentos libres descansa y la época del año que más le gusta es la Navidad.

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
  • 91
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Luisa buy manure, seeds to plant, fertilizers, and liquids.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 14, 2012
Mar 30, 2012
Currency Exchange Loss:
Apr 18, 2013