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Yoconda Karina
Yoconda Karina is a 22-year-old single mother. She and her 1-and-a half-year-old son live in the city of Ventanas. In her free time, she enjoys farming.

Yoconda is a member of the agricultural communal bank VRC AVANZA. All of its members live in a part of the city named Agua Frías and work in farming and raising livestock. Yoconda practically grew up in this region. She makes a living growing corn and rice.

Yoconda is requesting this loan buy seeds, insecticides, urea, liquid weed-killer, and to pay hired labor. This will enable her to buy fertilizer in time for her next planting. Purchases and sales take place in the city of Ventanas every two weeks. A big obstacle for Yoconda has been the lack of financial resources.

Her dream is to see her business prosper.
View original language description ↓
YOCONDA KARINA tiene 22 años de edad es soltera tiene un hijo de 1 año y medio, vive con el hijo en la ciudad de ventanas provincia de los ríos.

Es integrante da la VRC AVANZA sus miembros se dedican a la Agricultura todos viven en el Sector del Recinto Agua Frías, prácticamente se han criado en esa zona, se dedican a Labores agrícolas u pecuarias en su mayoría.

YOCONDA KARINA se dedica a la agricultura a la siembra de maíz, arroz. Solicita el crédito para comprar semillas, insecticidas, urea, líquido mata maleza y pagar a mano de obra.

Con la ayuda del crédito podrá comprar los fertilizantes para las siembras. Las compras y las ventas las realizará en la ciudad de Ventanas cada 15 días. Los desafíos a los que se enfrenta es falta de recursos económicos. El sueño es que el negocio prospere. En el tiempo libre le gusta dedicarce a la agricultura.

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!

About Ecuador

  • $10,600
    Average annual income
  • 98
    View loans »
    Ecuador Loans Fundraising
  • $25,071,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Yoconda Karina to buy seeds, insecticides, urea, liquid weed-killer, and to pay hired labor.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Oct 26, 2012
Nov 20, 2012
Currency Exchange Loss:
Jul 17, 2013