Update on Ninfa TeodoraNinfa Teodora, 48, is in a common law relationship and has three children. She lives with her husband and children who are 25, 22 and 10 years of age in Ventanas Canton, Los Ríos Province. She’s a member of the “Las Palmas” communal bank located in Recinto Campo Alegre that belongs to Bab Canton; they work in agriculture.
Ninfa has been farming corn and rice for ten years. Her purchases and her sales take place in Ventanas. She requests the loan to work in agriculture and to buy farm supplies. With help from the loan she will buy supplies. Her dream is to own a parcel of land. She’s had no type of problem with her crops. In her free time she enjoys swimming.
Es integrante de la VRC LAS PALMAS, se encuentra ubicada en el Recinto campo Alegre, Pertenece al Cantón Bab se dedican a labores Agrícolas.
Ninfa se dedica a la agricultura a la siembra de maíz, arroz hace 10 años. Las compras y las ventas lo realizan en Ventanas.
Solicita el crédito para trabajar en la agricultura, comprar abonos agrícolas. Con la ayuda del préstamo podrá comprar los insumos. El sueño es poder tener un terreno. No se le ha presentado ningún tipo de problema en los cultivos.
En el tiempo libre le gusta practicar la natación.
Previous Loan DetailsNinfa Teodora, 46, lives in a common law relationship and has three children. She lives with her husband and children who are 25, 22 and 10 years old in Ventanas Canton, Los Ríos Province. She is a member of the “Las Palmas” communal bank located in Recinto Campo Alegre belonging to Bab Can... More from Ninfa Teodora'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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