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Luz Maria

Update on Luz Maria

Luz María, 21, is single and has one child. She lives with her father and her son in Guaranda, Bolívar Province.

She is a member of the Mushuc Ñan communal bank, located in the community of Guanto Cruz, parish of Guanujo, 60 minutes from our office. It is made up of 11 men and women members who work in agriculture growing blackberries, growing corn, raising small animals, and raising dairy cows to make cheese.

Luz María works in agriculture growing blackberries, potatoes, and peas. She also raises animals such as chickens, pigs, and sheep.

She is requesting the loan to buy manure, fertilizer, urea, and liquid herbicide. With the help of the loan she will be able to fumigate the crops. She makes her purchases and sales weekly in Guanto Cruz.

Her dream is to be able to have her own house. The challenges she faces are bad weather and transportation. In her free time she likes to watch television and enjoy the Christmas season.
View original language description ↓
Luz María tiene 21 años de edad es soltera tiene un hijo, vive con el papá y el hijo, viven en Guaranda Provincia de Bolívar.

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.

Luz María se dedica a la agricultura a la siembra de mora, papas , arveja , además se dedica a la cría de animales como pollos, cerdos, ovejas.

Solicita el crédito para comprar abonos, fertilizantes, urea, líquidos para la maleza. Con la ayuda del crédito podrá funigar los cultivos. Las compras y las ventas lo hace en Guanto Cruz semanalmente.

El sueño es poder tener casa propia. Los desafíos a los que se enfrenta son el mal clima y el transporte.
En el tiempo libre le gusta ver televisión, disfrutar de la época de la navidad.

Previous Loan Details

Luz Maria A. R. is 21 years old. She is single and has one child. They live in the Guaranda canton in the Bolívar province. The members of the Mujeres Mushuc Ñan Communal Bank are located in the Guanto Cruz community, Guanujo parish, Guaranda canton. This communal bank has 22 women who are ... More from Luz Maria's previous loan »

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!

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.

About Ecuador

  • $10,200
    Average annual income
  • 26
    View loans »
    Ecuador Loans Fundraising
  • $22,885,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Luz Maria to buy manure, fertilizer, urea, and liquid herbicide.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Mar 7, 2012
Listed
Apr 12, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 18, 2013