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Ruth Marisol

Update on Ruth Marisol

Ruth Marisol is 37 years old and a widow. She lives with her four children in the canton of Ventanas in Los Ríos province.
The members of the rural communal bank VRC 27 DE MAYO work in agriculture. They all live in the area in the precinct of Cadial. They were practically raised in this area. The majority of them work in agriculture or livestock.
Ruth Marisol works in agriculture, cultivating corn and pigeon peas. She is requesting the loan to buy urea, insecticides, liquid weed killer and Ranger (herbicide). With the help of the loan, she will buy what is necessary for the crops.
She will make her purchases and sales in Ventanas.
Her dream is to buy land to get ahead and to provide her children with education. In her free time, she likes to watch television and listen to music.

She changed communal banks due to problems with some of the members.
View original language description ↓
Ruth Marisol tiene 37 años de edad es viuda, vive con los cuatro hijos en el Cantón Ventanas Provincia de los Ríos.

La VRC 27 DE MAYO sus miembros se deican a la agricultura todos viven en el sector del recinto el Cadial Practicamente se han criado en esa zona se dedican a labores agrícolas u Pecuarias en su mayoria.

Ruth Marisol se dedica a la agricultura a la siembra de maíz, fréjol gandúl. Solicita el crédito para comprar urea, insecticidas, líquido mata maleza, ranger. Con la ayuda del crédito podrá comprar lo necesario para las siembras.

Las compras y las ventas lo hará en Ventanas.

El sueño es comprar terreno para superar y dar el estudio a los hijos. En el tiempo libre le gusta ver televisión y escuchar música

"Se cambio de Ventanilla por que tubo problemas con algunos integrantes".

Previous Loan Details

Ruth Marisol is 36, a widow, and lives with her four children, ages 14, 13, 4 and 1 in the Ventanas Canton, Los Ríos Province. The communal bank "28 de Enero" is located in the community known as El Retorno which belongs to the Puerto Pechiche Parish in Pueblo Viejo Canton. This group is invo... More from Ruth Marisol'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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Ruth Marisol to buy urea, insecticides, liquid weed killer and Ranger (herbicide).
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Dec 13, 2012
Feb 4, 2013
Currency Exchange Loss:
Aug 22, 2013