Update on Maria NicolasaMaría Nicolasa is 47 years old. She is married and has 3 children, ages 9, 6 and 3. Together they live in the Guaranda Province of Bolívar.
She is a member of the rural community bank "Mushuc Ñan" and lives 60 minutes from the office. The group is located in the community of Guanto Cruz, in the Guanujo parish. The group is made up of 11 members who farm blackberries, potatoes, corn, lima beans, and onions, as well as raise barnyard animals and dairy cows in order to make cheese.
María Nicolasa cultivates blackberries, potatoes, corn, lima beans, and onions, and she also raises animals such as cattle, chickens, and pigs. She is requesting this loan in order to purchase manure, fertilizer, urea, and weed killer. With the help of the loan she will be able to buy the inputs that she very much needs.
Her dream is to buy a vehicle. The challenges that she faces are transportation and bad weather. In her free time she likes to knit, watch television, and enjoy the Christmas season.
Es Integrante de la VRC MUSHUC ÑAN está ubicada en la comunidad Guanto Cruz parroquia Guanujo a 60 minutos de la oficina conformada por 11 socios y socias se dedica a las labores agrícolas en cultivo de mora, maíz, cría de animales de corral y vacas lecheras para la elaboración de quesos.
María Nicolasa se dedica a la agricultura a la siembra de mora, papas, maíz, habas y cebolla, además se dedica a la cría de animales cómo ganado, pollos, cerdos.
Solicita el crédito para comprar abonos, fertilizantes, urea, líquidos para la maleza. Con la ayuda del crédito podrá realizar la compra de los insumos que tanta falta le hace.
El sueño es poder comprar un vehículo, Los desafíos a los que se enfrenta son el transporte y el mal clima. En el tiempo libre le gusta tejer, ver televisión y disfrutar de la época de navidad.
Previous Loan DetailsMaria Nicolasa A. C. is 47. She is married and lives with her husband and their children in the Guaranda canton of Bolivar province. She has 3 children. The members of the rural communal bank "Grupo de Mujeres Muschuc Nan" meet in the community of Guanto Cruz in the Guanujo parish in the… More from Maria Nicolasa'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