Update on Mariana TeresaMariana Teresa is 48 years old, married, and has two children. She lives with her husband and her children in the city of Ventanas, in De Los Rios province. She is a member of the "Caminando Hacia el Futuro" communal bank, located in the rural settlement of Jesús del Gran Poder, which is part of Ventanas canton, and an area where people make their living from agriculture.
Mariana Teresa farms, and also raises chickens and pigs.
She is applying for the loan in order to buy seeds, urea fertilizer, insecticides, herbicide, and manure.
With the help of the loan, she will be able to buy the necessary fertilizers for planting, and would improve her financial circumstances.
Her dream is to buy land for expanding her plantings. The challenges she faces are crop pests.
In her free time she likes to go for walks.
"I am very grateful for the previous loan," she says.
Es Integrante de la VRC CAMINANDO HACIA EL FUTURO, SE ENCUENMTRA UBICADA EN EL RECINTO JESUS DEL GRAN PODER, PERTENECE AL CANTÓN VENTANAS SE DEDICAN A LABORES AGRICOLAS.
MARIANA TERESA Se dedica a labores agrícolas, además se dedica a la crianza de pollos y cerdos.
Solicita el crédito para comprar semillas, urea, insecticidas, ranger, abono organico.
Con la ayuda del crédito podrá comprar los fertilizantes necesarios para la siembra y mejoraría el nivel económico.
El sueño es comprarce tierras para agrandar las siembras. Los desafíos a los que se enfrenta son las plagas.
En el tiempo libre le gusta salir de paseo.
"Esta muy agradecido por el crédito anterior".
Previous Loan DetailsMaría, 47, is married living with her husband and two children who are 14 and 3 years of age in Ventanas Canton, Los Ríos Province. The members of the “Caminando Hacia el Futuro” (Heading toward the Future) communal bank which is located in Jesús de Gran Poder, Ventanas Canton, are short cycle… More from Mariana Teresa'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