Update on Clara MarisolClara Marisol is 38 and married with two children, ages 1 and 11. She lives with her family in the canton of Ventanas in the Los Ríos province.
She is a member of the “La Union,” which is located in the Aguas Frias precinct, belonging to the Ventanas canton. The members of this rural bank are short cycle farmers who plant corn, rice, and beans.
Clara Marisol works in agriculture, planting corn in addition to raising animals such as chickens and pigs. She does her purchases and sales in the city of Ventanas.
She is requesting the loan to use for farming. She will buy fertilizer, seeds, Ranger herbicide, and liquid weed killer. With the help of the loan, she will be able to purchase the fertilizer without financial difficulties.
Her dream is to purchase land. In her free time, she enjoys watching tv and being with her children.
Es integrante de la VRC LA UNION, se encuentra ubicada en el Recinto Aguas Frías, Perteneciente al cantón Ventanas, esta Ventanilla se dedica a labores Agrícolas de ciclo corto siembra de maíz, arroz, frejol.
Clara Marisol se dedica a la agricultura a la siembra de maíz, además se dedica a la cría de anamales cómo pollos, cerdos. Las compras y las ventanas lo hace en la ciudad de ventanas.
Solicita el crédito para ocuparlo en los cultivos comprando urea, semillas, ranger, líquido mata maleza. Con la ayuda del préstamo podrá comprar los abonos sin ninguna dificultad por el dinero.
El sueño es poder comprar terrenos. En el tiempo libre le gusta ver televisión y estra con los hijos.
Previous Loan DetailsClara Marisol, 38, is married and has 2 children. She lives with her husband and her two children, aged 1 and 11, in Ventanas in the province of Los Rios. She is a member of the communal bank "La Union," which is located in Recinto Aguas Frias in the canton of Ventanas. The members of this… More from Clara Marisol's previous loan »
About Cooperativa San JoseThis 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.
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Success!! The loan was 100% repaid
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- At end of term
- Jul 19, 2012
- Aug 28, 2012
- Currency Exchange Loss:
- Feb 15, 2013
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.