Update on Johanna MercedesJohanna Mercedes is 30 years old, single and lives in the Pueblo Viejo area of Los Rios.
She works in agriculture and raises corn and rice and makes her purchases in Ventanas.
She is asking for this loan to buy seeds, urea, ranger, fertilizers, and compost. The loan helps her to supplement her family's needs. Her dream is to have a house and a truck.
Challenges have been blights on her crops. She likes to play sports in her spare time.
Ella pertenece a la ventanilla ANCHOVETA se encuentre ubicada en la parroquia Puerto Pechiche recinto Anchoveta pertenece al Canton Pueblo Viejo se dedica a labores agricolas.
Johanna Mercedes se dedica a la agricultura a la siembra de maiz, arroz las compras y las ventas lo hace en la ciudad de ventanas.
El credito solicita para la compra de semillas, urea, ranger, fertilizantes y abonos . El credito le ayudado a suplir las necesidades de la familia. El sueño es tener una casa y una camioneta.
Ha enfrentado desafios cómo las plagas en los cultivos. En los tiempos libres le gusta hacer deporte.
Previous Loan DetailsJohanna Mercedes is 30 years old, single, and has one child. She lives with her 13-year-old son in the canton of Pueblo Viejo, which is in Los Rios Province. Johana is a member of the Communal Bank "Anchoveta", which is located in the parish of Puerto Pechinche, Anchoveta District, and is pa... More from Johanna Mercedes'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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