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Maria De La Cruz

Update on Maria De La Cruz

Maria, 42, is single and has no children. She lives with her parents in Ventanas Canton, Los Rios Province. Cevallos communal bank is located in the San Francisco neighborhood. It belongs to the San Juan de Pueblo Viejo parish, and the members work in agriculture.
Maria works in farming, planting rice and corn. She also raises chickens, ducks, and pigs. She is applying for a loan to buy seeds, urea, fertilizer, insecticide, and feed for the animals. With the help of the loan, she will be able to buy the fertilizers that she really needs for the planting. She buys what she needs in Guayaquil. Her dream is to have a large clothing business. She challenges she faces are competition and plagues.
View original language description ↓
María tiene cuarenta y dos años de edad es soltera no tiene hijos, vive con los padres en el Cantón ventanas provincia de los Ríos.


María se dedica a la agricultura a la siembra de arroz, maíz, además se dedica a la cría de gallinas, patos y cerdos. Solicita el crédito comprar semillas, urea, fertilizantes, insecticidas y alimento para los animales.

Con el apoyo del crédito podrá comprar los fertilizantes que tanta falta le hace para la siembra. Realiza sus compras en Guayaquil.

El sueño de la señora es tener un negocio de ropa grande. El desafío al que se enfrenta la señora es la competencia y las plagas.

Previous Loan Details

María de la Cruz is 42 years old, single and doesn't have any children. She lives with her parents in Ventanas canton, in los Ríos province. The Cevallos community bank is located in San Francisco, in San Juan de Pueblo Viejo parish. The members of this bank work in agriculture. María de ... More from Maria De La Cruz'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
  • 101
    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 $1,000 helped Maria De La Cruz to buy seeds, urea, fertilizers, insecticides, and feed for the animals.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 6, 2012
Dec 27, 2012
Currency Exchange Loss:
Jul 19, 2013