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Maria De La Cruz

Update on Maria De La Cruz

María de la Cruz is 42 years old, single and doesn't have any children. She lives with her parents in Ventanas canton, in los Ríos province.

The Cevallos community bank is located in San Francisco, in San Juan de Pueblo Viejo parish. The members of this bank work in agriculture.

María de la Cruz is a farmer who grows rice and corn. She also raises hens, ducks and pigs. She is requesting this loan to buy seeds, urea, fertilizers and insecticides.

With the support of this loan, she will be able to buy the fertilizers that she really needs in order to grow her crops. She makes her purchases in Guayaquil.

María de la Cruz's dream is to have a large clothing business. The challenges that she faces are competition and pests. In her free time, she likes to think positive thoughts.
View original language description ↓
María de la Cruz tiene cuarenta y dos años de edad es soltera no tiene hijos, vive con los padres en el Cantón ventanas provincia de los Ríos.


María de la Cruz se dedica a la agricultura a la siembra de arroz, maíz, además se dedica a la cría de gallinas, patos y cerdos. Solicita el crédito comprar semillas, urea, fertilizantes, insecticidas.

Con el apoyo del crédito podrá comprar los fertilizantes que tanta falta le hace para la siembra. Realiza sus compras en Guayaquil.

El sueño de la señora es tener un negocio de ropa grande. El desafío al que se enfrenta la señora es la competencia y las plagas.

En su tiempo libre se dedica a pensar cosas positivas para su vida.

Previous Loan Details

María de la Cruz is 41 years old. She is single and doesn't have any children. She lives with her parents in Ventanas canton, in Los Ríos province. María is a member of the Cevallos community bank which is located in San Francisco, in San Juan del Pueblo Viejo parish, in Ventanas. The members... More from Maria De La Cruz's previous loan »

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!

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 96
    View loans »
    Ecuador Loans Fundraising
  • $25,071,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria De La Cruz to buy seeds, urea, fertilizers and insecticides.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
May 31, 2012
Jun 25, 2012
Currency Exchange Loss:
Dec 15, 2012