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Mariana Mercedes

Update on Mariana Mercedes

Mariana Mercedes is 40 years old and married. She lives with her husband and children in the canton of Ventanas in Los Ríos Province.


The Communal Bank “San Francisco de Sibimbe” is located in the neighborhood of Recinto Sibimbe in the canton of Ventanas. This Communal Bank has 20 members who engage in short-cycle farming. They grow corn and rice.


Mariana Mercedes is a farmer who grows corn, rice, and pigeon peas. Her purchases and sales are conducted in Ventanas each month. She is requesting a loan in order to buy seeds, urea, fertilizers, Ranger (a brand of herbicide), and compost. With the help of this loan, she will be able to cover her family’s expenses. Her dream is to always be in good health and able to work.


In her free time, Mariana Mercedes enjoys reading the Bible.

View original language description ↓
Mariana Mercedes tiene 40 años, es casada vive con el esposo y con los hijos. Vive en El Cantón Ventanas Provincia de Los Ríos.

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.

Mariana Mercedes se dedica a la agricultura a la siembra de maíz, arroz, fréjol gandul. Las compras y las ventas las realiza en Ventanas cada mes.

Solicita el crédito para comprar de semillas, urea, fertilizantes. ranger y abonos. Con el apoyo del crédito le ayudaría económicamente para cubrir gastos de la familia. El sueño es contar siempre con buena salud para poder trabajar.

En el tiempo libre le gusta leer la biblia.

Previous Loan Details

Mariana Mercedes is 39 years old and married. She lives with her husband and children in the canton of Ventanas in Los Ríos Province. The Communal Bank “San Francisco de Sibimbe” is located in the neighborhood of Recinto Sibimbe in the canton of Ventanas. This Communal Bank has 20 members who... More from Mariana Mercedes'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
  • 51
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Mariana Mercedes to buy seeds, urea, fertilizers, herbicide, and compost.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Aug 3, 2012
Listed
Aug 31, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 19, 2013