Maria Del Carmen
MARÍA DEL CARMEN SE DEDICA A DAR CLASES A LOS NIÑOS Y NIÑAS EN UNA ESCUELA PRIIMARIA. SOLICITA EL CRÉDITO PARA COMPRAR ARENA, RIPIO, CEMENTO. CON LA AYUDA DEL CRÉDITO PODRA REALIZAR EL MEJORAMIENTO DE VIVIENDA QUE TANTO QUERIA REALIZA.
LAS COMPRAS LO HARA EN GUARANDA. EL SUEÑO ES PODER COMPRARSE UN CARRO. LOS DESAFÍOS A LOS QUE SE ENFRENTA ES LA FALTA DE DINERO CUANDO MÁS LO NECESITA.
EN EL TIEMPO LIBRE LE GUSTA LEER LIBROS DE ESPECIALIDAD PARA PODER ESTAR CAPACITADA PARA EDUCAR A LOS NIÑOS.
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.
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