Update on Josefa JohannaJosefa Johanna, 28, lives with her common-law husband and three children, ages 12, 10, and 1, in the canton of Pueblo Viejo. The members of the Communal Bank “Unido Somos” (We Are United) meet in the neighborhood of El Marañón in the parish of Puerto Pechiche, which is part of the canton of Pueblo Viejo. The communal bank members are seasonal farmers who grow corn, rice, and beans.
Josefa grows corn, rice, and beans. She buys her supplies at the Agro Karlita Commercial Center and sells her products at the Castillo Commercial Market. Josefa is requesting a loan to plant corn, rice, and beans, and will buy seeds, urea, compost, supplies, and liquid fertilizers to keep the crops in good condition. With the financial support of this loan, she will be able to purchase what she needs. Among the challenges she faces are pests, diseases, and changes in weather. Her dream is to buy a farm so that she can increase her business and have more profits. Josefa enjoys practicing sports, especially indoor soccer.
Los miembros de la V.R.C. UNIDO SOMOS MAS se encuentra ubicada en el recinto El Marañón por la Parroquia Puerto Pechiche perteneciente al Cantón Pueblo Viejo, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz, arroz y fréjol.
Josefa se dedica a la agricultura a la siembra de maíz, arroz y fréjol. Compra sus productos en Comercial Agro insumos Karlita y los vende en el comercial Castillo.
Solicita el crédito para sembrar maíz, arroz y fréjol compra de semillas, insumos, urea y abonos agrícolas, fertilizantes líquidos para mantener en buenas condiciones los cultivos.
Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima.
Su sueño es poder comprarse una finca para poder aumentar el negocio y tener mayores utilidades. Le gusta practicar el en especial el índor.
Previous Loan DetailsJosefa Johanna is 28 years old and lives with her common-law husband and three children (ages 12, 10, and 1) in the canton of Pueblo Viejo.
The members of the Communal Bank “Unido Somos” (We Are United) meet in the neighborhood of El Marañón in the parish of Puerto Pechiche, which is part of… More from Josefa Johanna'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