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Ana Lucia
Ana Lucia is 25 years old, single, and has one child. She lives with her parents in the canton of Chillanes in Bolívar Province. She is a member of the Communal Bank "Balacelo", which consists of 10 members.

Ana Lucia is a farmer who grows corn, peas, and beans. The loan she is requesting will be used to purchase bean seeds and necessary supplies for her crops, such as two quintals of compost (1 quintal = 46 kg) and one quintal of urea. With the help of this loan, she will be able to increase her harvest as a result of acquiring composts and fertilizers. Her purchases and sales are conducted on a regular basis in the canton of Chillanes every 15 days.

Ana Lucia's dream is to increase her planting of beans so that she can produce more, increase her income, and live comfortably at home. The challenges she faces include the roads that are in bad condition and the risk of crop loss resulting from an abundance of rain.

In her free time, Ana Lucia likes to rest and relax so that she can regain her strength.

View original language description ↓
Ana Lucia tiene 25 años de edad es soltera tiene un hijo, vive con sus padres en el Cantón Chillanes Provincia Bolívar. Pertenece a la ventanilla rural Balacelo conformado por 10 miembros.
Ana Lucia se dedica a la agricultura siembra maíz, arveja, frejol.
Solicita el crédito para comprar la materia prima como semillas de frejol e insumos necesarios como abono 2qq, urea 1qq.
Con la ayuda del crédito podre incrementar las cosechas gracias a los abonos y fertilizantes.
Las compras y ventas de los productos las realiza con frecuencia en el Cantón Chillanes cada quince días.
El sueño es tener más sembríos de frejol que le permita tener ingresos mas altos con el resultado de la producción podemos tener comodidad en nuestro hogar.
Los desafíos a los que se enfrenta son las vías en mal estado y perdida de las cosechas por muchas lluvias (mal clima).
En el tiempo libre le gusta relajarse, descansar para poder recuperar fuerzas.

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

  • $10,600
    Average annual income
  • 91
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Ana Lucia to buy seeds, fertilizers, compost, and urea.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 23, 2012
Apr 27, 2012
Currency Exchange Loss:
Apr 18, 2013