Update on Ana MaríaAna is a member of the El Crédito communal bank. She lives in the Cebollar area of the city of Cuenca. This city has a physical space full of beauty and cultural values. It was named a World Heritage Site in December of 1999. Its people are friendly and kind and maintain their traditional cuisine, culture and practices.
Ana is 47 years old. She is married and with her husband has 3 children. Two of them are married and live on their own. Her single son works to pay his personal expenses. Her husband is a taxi driver and works offering his services. They do not own their own home and are renters.
Ana tells us that she is in good health as are the members of her family and she thanks God for that.
Our member is a merchant and sells toys. She has done this job for 19 years and also works cleaning houses. With these jobs she has been able to contribute to the family finances and get her children ahead.
Paying off the previous loan was not difficult since it was going well in her business. That is why she is asking for a new loan to buy toys to continue her business. She likes the communal bank because in her group everyone is compliant and supportive.
La Señora. Ana tiene 47 años, es casada y en su unión conyugal ha concebido 3 hijos de los cuales dos son casados y viven independientes, su hijo soltero trabaja para sus gastos personales. Su esposo es de profesión chofer y labora prestando sus servicios, no tiene casa propia por lo que vive arrendando.
Doña Ana nos comenta que se encuentra gozando de muy buena salud al igual que todos los miembros de su familia y agradece a Dios por ello.
Nuestra socia es comerciante y se dedica a la venta de juguetes, en este trabajo se encuentra hace 19 años, también trabaja arreglando casas. Con estos trabajos ella ha podido aportar a la economía de su hogar y sacar adelante a sus hijos.
En la cancelación de su crédito anterior no ha tenido dificultad ya que en su negocio le ha ido muy bien, por este motivo está pidiendo un nuevo crédito para comprar juguetes para continuar con su negocio. La banca comunal le gusta porque en su grupo todas son cumplidas y solidarias.
Previous Loan DetailsAna is a member of El Crédito Communal Bank. She lives in Cuenca, an exceptional city known for its culture and traditions as well as its cold climate. In 1999, it was named a UNESCO World Heritage Site. It has a diverse gastronomy that captivates locals and visitors alike. The people are kno... More from Ana María's previous loan »
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.
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Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Jul 9, 2012
- Aug 3, 2012
- Currency Exchange Loss:
- Dec 15, 2012
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.