Update on Bertha IsabelBertha Isabel is 45 years old, married, and has three children. She lives with her husband and children in the canton of Ventanas in Los Ríos Province.
The Communal Bank “Dulce Sentimiento” (Sweet Sentiment) is located in the neighborhood of Caimito II in the parish of Puerto Pechiche, canton of Pueblo Viejo. The members of the Communal Bank are short-cycle farmers who grow corn, rice, and pigeon peas.
Bertha Isabel is a farmer who grows corn, rice, and pigeon peas. Her purchases and sales are conducted in the canton of Ventanas. Bertha is requesting a loan in order to buy seeds, farming supplies, urea, herbicide, fertilizers, and weed killer so that she can keep her crops in good condition.
With her previous loan, she was able to buy seeds and farming supplies such as urea, herbicide, fertilizers, and poisons in order to maintain the excellent condition of her crops. Her family is doing well because she is now able to provide a little bit more for her for her family’s well-being. Bertha is doing much better in her work since she has been able to increase production. As a result, she has more income. Her previous loan helped her to excel and she did not have any problems submitting her scheduled payments to the Cooperative.
Her dream is to buy farming machines. In her free time, Bertha Isabel enjoys reading the Bible.
LA VRC DULCE SENTIMIENTO, se encuentra ubicada en el Recinto Caimito II, parroquia Puerto Pechiche Perteneciente al Cantón Pueblo Viejo, Esta Ventanilla se dedica a Labores Agrícolas de ciclo corto Siembra de maíz, arroz y frejol gandul.
Bertha Isabel se dedica a la agricultura a la siembra de maíz, arroz, fréjol gandul las compras y las ventas las realiza en el cantón Ventanas. Solicita el Crédito para comprar semillas, insumos, urea, mata monte, fertilizantes, veneno para la maleza para mantener en buenas condiciones los cultivos.
Con el dinero del prestamo anterior pudo comprar semillas e insumos agrícolas como urea, mata monte, fertilizantes, veneno para la maleza para mantener en buenas condiciones los cultivos.
En la familia la relación ha mejorado porque ahora puede aportar un poco más para el bienestar de la familia, en el trabajo le va mucho mejor porque a aumentado la producción, los ingresos son mayores. Con el apoyo del anterior crédito le ha ayudado a superarse y no tuvo ningún problema para poder cancelar las cuotas establecidas por la cooperativa.
El sueño es comprar maquinaria agrícola. En el tiemepo libre le gusta leer la biblia.
Previous Loan DetailsBertha Isabel is 44 years old, married, and has three children. She lives with her husband and children in the Ventanas Canton, Los Rios Province. The V.R.C. Dulce Sentimiento (Sweet Feeling) is located in Recinto Caimito II, Puerto Pechiche parrish, Pueblo Viejo Canton. This area is dedicated to... More from Bertha Isabel'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