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Maria

Update on Maria

Maria is 33 years old. She is married and lives with her husband and four children who are unmarried. She lives in the Canton Ventanas river province.

The communal bank "V.R.C. El DIVINO NIÑO", which is located by Estero Lindo (part of Canton Ventanas), supports its members of short cycle farming like corn and rice. Maria is in the business of farming corn and rice in addition to raising livestock. She purchases and sells her products in Ventanas.

She is seeking a loan to purchase seeds, urea, insecticides, and fertilizer. This loan would help her economically to purchase the necessary supplies. She faces challenges like armyworms. Her dream is to one day purchase a farm.

She likes to cook and make cheese.
View original language description ↓
Maria tiene 33 años de edas, Es casada vive con el esposo y con los hijos solteros tiene cuatro hijos,vive 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.

Maria se dedica a la agricultura a la siembra de maíz y arroz, además se dedica a la crianza de animales. Los productos compra y vende en Ventanas.

Solicita el crédito para compra de semillas, urea, insecticidas, abonos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrenta desafíos como plagas el cogollero. El sueño es comprar una finca.

Le gusta cocinar y hacer quesos.

Previous Loan Details

Maria is 32 years. She is married and lives with her spouse and unmarried children. She has four children and she lives in the Ventanas canton in Los Ríos province. The "EL DIVINO NIÑO" communal bank is located in the grounds of Estero Lindo in the Ventanas canton. The members of this group w... More from Maria'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
  • 99
    View loans »
    Ecuador Loans Fundraising
  • $24,153,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Maria to purchase seeds, urea, insecticides, and fertilizer.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jul 23, 2012
Listed
Sep 10, 2012
Currency Exchange Loss:
N/A
Ended:
Feb 15, 2013