Update on Betty JosefaBetty Josefa, 24, is in a civil union and has two children; she lives with her spouse and children in Ventanas Canton, Los Ríos Province.
The “27 de Mayo” (May 27th) communal bank’s members work in agriculture. They all live in the El Cadial Recinto sector, they were practically raised there. They work in agriculture and animal husbandry for the most part.
Betty Josefa works in agriculture growing corn and pigeon peas. She’s asking for the loan to buy urea, insecticide, weed killing liquid and Ranger [brand of herbicide]. With help from the loan she will be able to buy everything needed for her crops. Her purchases and sales take place every two weeks in Ventanas according to the crop. Her dream is to buy farmland and to improve her harvests. In her free time she enjoys watching television and listening to music.
La VRC 27 DE MAYO sus miembros se dedican 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.
Betty Josefa 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 cada 15 días dependiendo la siembra.
El sueño es comprar terreno para los cultivos y mejorar las cosechas. En el tiempo libre le gusta ver televisión, escuchar música.
Previous Loan DetailsBetty Josefa is 23 years old, single, and lives with her children aged 3 and 5 in Ventanas canton, in Los Ríos province. The '28 de Enero' community bank is located in El Retorno, in Puerto Pechiche parish, in Pueblo Viejo canton. The members of this bank work in short-cycle agriculture, grow... More from Betty Josefa'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