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Maria  Rafaela
María Rafaela, 30, is divorced. She has three children, 12-, 8-, and 5-years old, respectively. She lives with her children in Guaranda, a city in Bolivar province.

The Tagma Ruminahui community bank has 14 members. It is 25 minutes or so from our office. The members operate farming and livestock businesses.

María Rafaela is a farmer. She grows maize and raises pigs and chickens. She is applying for a loan that she will use to buy more animals. The investment will allow her to grow her business. She buys and sells what she needs in Guaranda every 15 days or so.

For the future, María Rafaela wants to buy a house of her own and see her children finish school. Her biggest challenges are transportation and competition from other animal sales businesses.

In her spare time, María Rafaela likes to rest! She also enjoys local fairs.
View original language description ↓
María Rafaela tiene 30 años de edad, es divorciada tiene tres hijos de 12,8 y 5 años ,vive con sus hijos en la ciudad de Guaranda Provincia Bolívar.

La VRC Tagma Rumiñahui, esta conformada por 14 socios casi a 25 minutos de la oficina, se dedican a la agricultura y ganadería.

María Rafaela se dedica al cultivo de papas, además a la cría de animales cómo pollos y cerdos. Solicita el crédito para compra gallinas, cerdos.

Con la ayuda del crédito va incrementar su negocio. Las compras y ventas lo realiza en la ciudad de Guaranda cada 15 dias.

El sueño es tener su propia casa y que sus hijos culminen sus estudios. Los desafíos a los que se enfrenta es el transporte y la competencia ya que quiere ser la mejor en el mercado.

En el tiempo libre descansa y cuando es la época de carnaval lo disfruta a lo máximo.

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
  • 40
    View loans »
    Ecuador Loans Fundraising
  • $23,142,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Rafaela to buy pigs and chickens for her animal sales business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
May 22, 2012
Listed
Jun 23, 2012
Currency Exchange Loss:
N/A
Ended:
Jun 17, 2013