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Maria Fernanda
Maria Fernanda is 32 years old, is married and has two children who are 6 and 4 years old. She lives with her husband and her children in Guaranda in the province of Bolivar.

Maria Fernanda earns her living selling all sorts of different fruits. She is asking for a loan to buy cement, soda ash and eternit brand fibre-reinforced cement. With the loan she will be able to improve her home. She will buy the products in Guaranda.

Her dream is to be able to give her children an education.The challenge she faces is to work hard to improve her living conditions. In her free time she enjoys looking after her children and spending time fixing-up her house.
View original language description ↓
MARIA FERNANDA tiene 32 años de edad es casada tiene dos hijos de 6 y 4 años de edad vive con el esposo y con y con los hijos en Guaranda provincia de Bolívar.

MARIA FERNANDA se dedica a la venta de todo tipo de frutas. Solicita el crédito para comprar cemento, barilla, eternit.

Con la ayuda del crédito podrá realizar el mejoramineto de vivienda . Las compras las realizará en Guaranda.
El sueño es poder educar a los hijos.

Los desafíos a los que se enfrenta es trabajar duro para mejorar las condiciones de vida.
En el tiempo libre le gusta cuidar a los hijos y arreglar la casa.

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

  • $10,600
    Average annual income
  • 95
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Maria Fernanda to buy cement, soda ash and eternit brand fibre-reinforced cement.
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 7, 2012
May 19, 2012
Currency Exchange Loss:
Jun 18, 2012