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Andrea Del Carmen

Update on Andrea Del Carmen

Andrea del Carmen is 40 years old, married and lives with her husband and their children in Ventanas canton in De Los Rios province. She is a member of the "Luchando Por La Misma Causa," communal bank, located in the rural settlement of La Primavera, which is part of Ventanas canton. The members of this communal bank make their living from short-cycle agriculture, growing corn and rice.

Andrea del Carmen is a farmer, growing corn, beans and rice. In addition, she raises chickens. She makes her purchases and sales in the city of Ventanas.

She is applying for the loan in order to buy seeds, agricultural supplies, urea, herbicide, and fertilizers for her crops. With the help of the loan she will be able to plant more seeds. Her dream is to buy land. In her free time, she likes to cook.
View original language description ↓
Andrea del Carmen tiene 40 años, Es casada vive con el esposo y con los hijos, en el Cantón Ventanas Provincia de los Ríos.

Es integrante de la V.R.C. LUCHANDO POR UNA MISMA CAUSA, se encuentra ubicada en el en el Recinto La primavera, perteneciente al Canton Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz.

Andrea del Carmen se dedica a la agricultura a la siembra de maíz, fréjol, arroz, maíz además se dedica a la cría de gallinas. Las compras y las ventas lo realiza en la ciudad de Ventanas.

Solicita el crédito para comprar semillas, insumos, urea, ranger, fertilizantes para los cultivos. Con el apoyo del crédito podrá sembrar más semillas. El sueño es comprar terreno.

En el tiempo libre le gusta cosinar.

Previous Loan Details

Andrea del Carmen is forty years old and married. She lives with her husband and children in the Ventanas canton of the province of Los Ríos. She is a member of the V.R.C. LUCHANDO POR UNA MISMA CAUSA (Fighting for the Same Cause), which is located in the precinct La Primavera in the Ventanas can... More from Andrea Del Carmen'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

  • $10,600
    Average annual income
  • 93
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Andrea Del Carmen to buy seeds, agricultural supplies, urea, herbicide, and fertilizers for her crops.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Nov 15, 2012
Nov 21, 2012
Currency Exchange Loss:
Jul 18, 2013