Update on Marcia GiocondaMarcia Gioconda is 25 years old, unmarried and lives with her mother. She has an 8-month-old son and lives in Ventanas canton in Los Rios Province.
Her communal bank is called San Francisco de Sibimbe and is located in Sibimbe precinct in Ventanas canton. It has 20 members who are dedicated to short cycle farming of maize and rice.
Marcia Gioconda cultivates maize and rice on land owned by her mother, however the two farm together. She makes her purchases and sales in the city of Ventanas. She is requesting a loan to buy seeds, fertilizer, urea, liquid weed killer and compost. With help from the loan she will be able to buy what is necessary for her plants and confront the challenges that attack them, the pests such as budworms and rats. Her dream is to help her mother financially and to get ahead with her son. She enjoys reading and listening to music.
Esta Ventanilla se llama VRC SAN FRANCISCO DE SIBIMBE, se encuentra ubicada en el Recinto Sibimbe, perteneciente al Cantón Ventanas, esta ventanilla tiene 20socio los cuales se dedican a labores agrícolas de ciclo corto siembran maíz y arroz.
Marcia Gioconda se dedica a la agricultura a la siembra de maíz y arroz en terrenos de propiedad de la madre pero trabajan juntas en la agricultura. Las compras y las ventas los hace en la ciudad de ventanas.
Solicita el crédito para la compra de semillas, fertilizantes, urea, líquido mata monte y abonos. Con el apoyo del crédito podrá comprar lo necesario para los cultivos. Enfrentar desafíos como plagas que atacan a los cultivos cómo el cogollero y el ratón. El sueño es ayudar economicaente a la madre y salir adelante con el hijo.
Le gusta leer y escuchar música.
Previous Loan DetailsMarcia Gioconda is 24 years old and single, she lives with her mother and doesn't have any children. She lives in the Ventanas Canton in the Province of Los Rios. This group is called SAN FRANCISCO DE SIBIMBE, and is located in the Sibimbe district which is part of the Ventanas Canton. This… More from Marcia Gioconda'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