Update on Ana RicardaAna has been an active member of the communal bank 10 de Agosto (August 10th) for the past 3 years. She lives close to the Santa Ana parish, in an area surrounded by beautiful landscapes. A large part of the city of Cuenca can be observed from the center of the parish. The local people work in agriculture, trade and raising livestock. Young people in particular work in the city, carrying out different economic activities. The people, especially the elderly, maintain their culture, traditions and clothing.
Ana is 53 years old, is married and has five children with her spouse. Two of her children are married and live independently. One of her daughters is single, works and studies at the university. Her two youngest children are 14 and 13 years old and study at the local school. Her husband works as a security guard, and she owns her own house. Ana works in an upholstery workshop, a business that she learned through experience. She also raises guinea pigs and ducks.
This will be Ana's second loan. She invested her first loan in buying some land, and she had no problems paying it off, with all her installments repaid on the specified dates. She will invest her new loan in the purchase of chickens, so that she can progress in this activity. She likes the communal bank because of the sense of camaraderie and solidarity that exists between the group members.
La Señora. Ana tiene 53 años, es casada y en su unión conyugal ha concebido 5 hijos, 2 son casados y viven independientes, una hija es soltera, trabaja y estudia en la universidad, sus dos últimos hijos tienen 14 y 13 años y estudian en un colegio de la localidad. Su esposo labora como guardia de seguridad, la casa en la que habita es de su propiedad.
La Señora. Ana trabaja en un taller de tapicería actividad que aprendió por habilidad, también se dedica a la cría cuyes y patos.
Ella esta repitiendo el crédito, el anterior lo invirtió en el pago de una letra de un terreno que se compro, en el pago de dicho crédito no tuvo ningún problema y cancelo todas las cuotas en las fechas indicadas. Su nuevo crédito lo va a invertir en la compra de pollos para crecer en esta actividad.
La banca comunal le gusta por el compañerismo y solidaridad que existe en el grupo.
Previous Loan DetailsAna is a member of the 10 de Agosto communal bank. She lives in the parish of Santa Ana in the city of Cuenca. The climate there is cold and it has great landscapes that demonstrate its natural beauty. From the central park one can see a large part of the city of Cuenca. The people make their liv... More from Ana Ricarda's previous loan »
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
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- Sep 19, 2012
- Nov 1, 2012
- Currency Exchange Loss:
- Apr 17, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.