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Maria Clemencia
Maria Clemencia, 32, is married and has 2 children aged 8 and 6. She lives with her husband and children in the city of Guaranda, in Bolivar province.

The communal bank "Tagma Rumiñahui" is made up of 14 members, and is located about 25 minutes from the San Simon office. The members work in agriculture and livestock production.

Maria Clemencia has a business cultivating and selling potatoes and corn. She also raises and sells chickens and guinea pigs.

She is requesting a loan to buy some calves. With the support of this loan, she is going to have her own cows and in this way increase her income.

She makes her purchases and sales every week in the city of Guaranda.

Maria Clemencia's dream is to have more cows. The main challenges she faces are the competition, and transportation.

In her free time, she likes to knit and enjoy the Christmas season.
View original language description ↓
MARIA CLEMENCIAtiene 32 años de edad es casada tiene dos hijos de 8 y 6 años de edad, vive con su esposo e hijos en la ciudad de Guaranda Provincia Bolívar.

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

MARIA CLEMENCIA se dedica al cultivo y venta de papas y maíz, así como también la crianza y venta de pollos y cuyes.

Solicita el crédito para compra de ternera. Con el apoyo del crédito va a tener su propio ganado y así ir incrementando su dinero.
Realiza sus compras y ventas cada semana en la ciudad de Guaranda .
El sueño de la señora es tener más ganados .
El desafío de la señora es la competencia y el transporte.
En su tiempo libre le gusta tejer y disfrutar la época de navidad.

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
  • 50
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Clemencia to buy calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 22, 2012
Jun 23, 2012
Currency Exchange Loss:
Jun 17, 2013