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Flor Liduvina
Flor Liduvina, 54, is married and has four children. She lives with her husband and children who are 30, 28, 22 and 20 years old in Chillanes, Bolívar Province.

The “Virgen de Baños” communal bank is composed of the Cerritos Mama Sara community. The members spend most of their time farming, growing corn and raising animals.

Flor Liduvina farms corn, blackberries, tomatoes and broad beans. She’s asking for the loan to buy tomato and blackberry seeds, manure, fertilizer and urea. She will make her purchases and her sales weekly in Chillanes. With help from the loan she will be able to grow broad beans, blackberries, tomatoes and corn infestation-free.

The challenge she faces is to overcome economic problems. Her dream is to see her children attain professional status in the future and to improve and increase income. In her free time she likes to watch television and to enjoy the feast of the Immaculate Conception.
View original language description ↓
Flor Liduvina tiene 54 años es casada tiene cuatro hijos, vive con el esposo y con los hijos de 30, 28, 22 y 20 años de edad en Chillanes provincia de Bolívar.
La VRC VIRGEN DE BAÑOS está formada por en la comunidad mama Sara de Cerritos, los socios se dedican la mayor parte de su tiempo en la agricultura, siembra de maíz y crianza de animales.
Flor Liduvina se dedica a la agricultura a la siembra de maíz, fréjol, mora, tomate. Solicita el crédito para comprar abonos, fertilizantes, urea, semillas de tomate y mora. Las compras y las ventas lo hará en Chillanes cada semana.
Con la ayuda del crédito podrá cultivar fréjol, mora, tomate y maíz sin ningún tipo de plagas. Los desafíos es superar los problemas económicos.
El sueño es poder ver que los hijos adquieran una profesión, mejorar la producción e incrementar los ingresos.
En el tiempo libre le gusta ver televisión, disfrutar de las fiestas de la Inmaculada concepción.

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

  • $10,200
    Average annual income
  • 38
    View loans »
    Ecuador Loans Fundraising
  • $23,094,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Flor Liduvina to buy manure, fertilizer, urea and tomato and blackberry seeds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Mar 13, 2012
Listed
Apr 12, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 18, 2013