Update on Carmen PilarCarmen Pilar, 54, is married and has no children. She lives with her husband in the Caimito area of Ventanas Canton. La Verdad Nos Hará Libres Communal Bank is located in the Caimito 1 area of Ventanas Canton. This bank works in short-cycle agriculture, growing corn and rice.
Carmen Pilar makes a living in agriculture growing corn and rice. She makes her purchases and sales in Ventanas.
She's requesting the loan to buy seeds, supplies, fertilizer, urea, and Ranger [herbicide] to grow corn. The loan has been very useful for acquiring agricultural products for planting and being able to have a good crop to earn income for the family.
Her dream is to see that there's an improvement in the crops when it comes time to sell them. The challenge she faces is competition. In her free time she likes to read the Bible.
La ventanilla LA VERDAD NOS HARA LIBRES se encuentra ubicada en el Recinto el Caimito 1, perteneciente al cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembre de maíz y arroz.
Carmen Pilar se dedica a la agricultura a la siembra de maíz, arroz. Las Compras y las ventas lo hace en ventanas.
El crédito solicito para la compra de semillas, insumos, fertilizantes, urea, ranger para la siembra del maíz, El préstamo ha sido de mucha utilidad para adquirir los productos agrìcolas para las siembras y poder tener un buen cultivo para obtener ingresos para la familia. El sueño es ver que haya una mejora en los cultivos al momento de venderlos. Los desafìos a los que se enfrenta es la competencia.
En los tiempos libres le gusta leer la Biblia.
Previous Loan DetailsCarmen Pilar is 54 years old and married. She lives with her husband, and has no children. She lives in the Caimito district in the Ventanas canton. The communal bank "LA VERDAD NOS HARA LIBRES" ["The Truth Will Set Us Free"] is located in the El Caimito 1 district, which is part of Ventanas… More from Carmen Pilar's previous loan »
About Cooperativa San JoseThis 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.
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Success!! The loan was 100% repaid