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Maria Del Carmen
María del Carmen is 29 years old, single and has a son. She lives with her parents and her one year old son in San Miguel de Bolívar. María del Carmen teaches boys and girls in an elementary school. She’s asking for the loan to buy sand, gravel and cement. With help from the loan she will be able to do some home improvements she so much wants to do. She will make her purchases in Guaranda. Her dream is to buy herself a car. The challenge she faces is not having money when she most needs it. In her free time she likes to read books in her specialty to be better trained to teach children.
View original language description ↓
MARIA DEL CARMEN TIENE 29 AÑOS DE EDAD ES SOLTERA TIENE UN HIJO, VIVE CON LOS PADRES Y EL HIJO DE UN AÑO DE EDAD EN SAN MIGUEL DE BOLÍVAR.

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.

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 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.

About Ecuador

  • $10,200
    Average annual income
  • 58
    View loans »
    Ecuador Loans Fundraising
  • $23,551,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Maria Del Carmen to buy sand, gravel and cement.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 8, 2012
Listed
Apr 11, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 18, 2013