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Ana Maria

Update on Ana Maria

Ana Maria is twenty-six years old, is married, and has a daughter and son. She lives with her husband and children in the city of Ventanas, in the Los Ríos province. She is a member of the Jerusalen communal bank, which is located in the El Caimito precint of the Puerto Pechichi parish in the Pueblo Viejo canton. This communal bank devotes itself to the agricultural work of growing short-cycle corn, rice, and pigeon peas.

Ana Maria makes a living growing corn and rice. She is asking for a loan to buy insecticide, urea, liquid weed-killer, and fertilizer. With the help of the loan she will be able to buy all the types of fertilizers she needs for her crops.

She does all of her buying and selling in the city of Ventanas, in the Los Ríos province. The challenges that she is faced with are the plagues and the bad climate.

Her dream is to buy a farm. In her free time, she likes to play soccer. She is very thankful for the help of her previous loan; she was able to buy what was necessary for her crops and increased the income for her family.
View original language description ↓
Ana Maria tiene 26 años de edad es casada tiene una hija y un hijo, vive con el esposo y con los hijos en la ciudad de Ventanas Provincia de los ríos.

Es integrante da la VRC JERUSALEN, se encuentra ubicada en el recinto el Caimito I, perteneciente a la parroquia Puerto Pechiche Cantón pueblo Viejo, Esta Ventanilla se dedica labores agrícolas de ciclo corto siembra de maíz, arroz, frejol Gandul.

Ana Maria se dedica a la agricultura a la siembra de maíz, arroz. Solicita el crédito para comprar insecticidas, urea, líquido mata maleza, abonos.

Con la ayuda del crédito podrá comprar los fertilizantes para las siembras.
Las compras y las ventas las realizará en la ciudad de Ventanas Provincia de los ríos. Los desafíos a los que se enfrenta son las plagas y el mal clima.

El sueño es comprarse una finca. En el tiempo libre le gusta jugar indor.
"Esta muy agradecida por la ayuda del anterior crédito porque pudo comprar lo necesario para las siembras y mejorarón los ingresos para la familia."

Previous Loan Details

Ana María, age 25, is married and has a son and a daughter. She lives with her husband, her five year old daughter, and her five month old son in the Ventanas canton in the Los Ríos province. The Jerusalen communal bank is located in the El Caimito precint, Puerto Pechichi parish, Pueblo Viej... More from Ana Maria'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

  • $10,200
    Average annual income
  • 40
    View loans »
    Ecuador Loans Fundraising
  • $23,087,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ana Maria to buy insecticide, urea, liquid weed-killer, and fertilizer.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Oct 30, 2012
Listed
Nov 20, 2012
Currency Exchange Loss:
N/A
Ended:
Aug 17, 2013