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Yolanda Zulema

Update on Yolanda Zulema

Yolanda Zulema, 43, is married and lives with her husband and children in Ventanas canton in Los Ríos province. The members of the communal bank EL DIVINO NIÑO [The Divine Child] live in Estero Lindo, located in Ventanas canton. The group performs seasonal farmwork such as planting corn and rice.

Yolanda Zulema plants corn and also raises chickens and pigs. She buys and sells her products in Ventanas. She is requesting the loan to buy seeds, fertilizer, and pesticides so that she can plant. Her dream is to support her children, and she loves to spend time with her family.
View original language description ↓
Yolanda Zulema tiene 43 años, Es casada vive con el esposo y con los hijos , en el Cantón Ventanas Provincia de los Ríos.

Los miembros de la V.R.C. EL DIVINO NIÑO, se encuentra ubicada en el recinto Estero Lindo, perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto como siembre de maíz y arroz.

Yolanda Zulema se dedica a la agricultura a la siembra de maíz, además se dedica ala crianza de gallinas, cerdos. Los productos los compra y los vende en Ventanas.

Solicita el crédito para comprar semillas, abonos, urea, insecticidas. Con el apoyo del crédito podra dedicarce a las siembras. Enfrenta desafíos como plagas en los cultivos. El sueño es apoyar a los hijos.

Le gusta pasar en familia.

Previous Loan Details

Yolanda Zulema is 42 years old, married, and lives with her husband and children in the canton of Ventanas in Los Ríos Province. The members of the Communal Bank “El Divino Niño” (The Divine Child) meet in the neighborhood of Estero Lindo, which is part of the canton of Ventanas. This Comm... More from Yolanda Zulema'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
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Yolanda Zulema to buy seeds, fertilizer, and pesticides.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 23, 2012
Aug 28, 2012
Currency Exchange Loss:
Feb 15, 2013