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Elsie Maribel
ELSIE MARIBEL, 34, is married and has two children. She and her family live in Ventanas, a city in Los Rios province.

She is a member of the AVANZA community bank. Its members are farmers, all of whom live in the area around Agua Frias. Most of them grew up in the area and make their livings from farming businesses.

ELSIE MARIBEL grows maize for a living. She also raises pigs and chickens. She is applying for a loan that she will use to buy seeds, urea, chickens, chicken feed and other supplies.

The investment will allow her to buy the supplies she needs to continue her farming and poultry business. She buys and sells what she needs in Ventanas. Her greatest challenge is raising the money she needs to buy fertilizers.

For the future, she wants to grow her business and make a better life for her family. She likes to spend her spare time in her fields.
View original language description ↓
ELSIE MARIBEL tiene 34 años de edad de estado civil unión lire tiene dos hijos, vive con los hijos y con el esposo en la ciudad de Ventans Pro

Es integrante de 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.

ELSIE MARIBEL se dedica a la agricultura a la siembra de maíz, además se dedica a la crianza de cerdos y pollos. Solicita el crédito para comprar semillas, insumos, urea, balanceado y pollos. Con la ayuda del crédito podrá aumentar las siembras y aumnetar la cría de pollos.

Las compras y las ventas las realizará en la ciudad de Ventanas. Los desafíos a los que se enfrenta es la falta de dinero para poder comprar los fertilizantes.

El sueño es salir adelante y aumentar la agricultura. En el tiempo libre le gusta dedicarce más de lleno a los sembríos.

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
  • 96
    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 Elsie Maribel para comprar semillas, insumos, urea, balanceado y pollos.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Oct 26, 2012
Nov 21, 2012
Currency Exchange Loss:
Jul 17, 2013