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Julia Teresa

Update on Julia Teresa

Julia is on her seventh loan cycle with the communal bank Bankito Progresista. She's known for being a very participative woman with a great team spirit. She lives close to the city center of Cuenca. This city is considered the Athens of Ecuador and has been designated a World Cultural Heritage Site since 1999.

Julia is 45 years old and a single mother of 5 children. Three of her children are married and live independently. Her single son works and also lives independently. Her last son is only 9 years old and studies in a city school. She lives in her own house.

Julia sells fruit, vegetables and tender grains. She has been doing this for 25 years, working from Sunday to Sunday without a fixed schedule. At home, she breeds chickens and guinea pigs. Since she has pasture lands, she sells the grass as well.

Her previous credit was used to buy grains which left her with a good profit. Her new credit will be used to buy tender grains and fruits to continue with this business.

Her goal is to expand her fruit selling business.
View original language description ↓
La Señora Julia está realizando su séptimo crédito en el banco comunal Bankito Progresista, se caracteriza por ser una mujer muy participativa y tiene un gran espíritu de compañerismo. Vive por el centro de la ciudad de Cuenca, esta ciudad es considerada la Atenas del Ecuador, es desde Diciembre de 1999 Patrimonio Cultural de la Humanidad, se encuentra bañada por 4 ríos. Su gente aun mantiene la cultura y tradiciones de sus pueblos.

La Señora. Julia tiene 45 años de edad, es madre soltera de 5 hijos, tres de sus hijos son casados y viven independientes, su hijo soltero trabaja y también vive independiente, su último hijo de apenas 9 años estudia en una escuelita de la ciudad. La casa en la que vive es de propia.

Doña Julia es comerciante de frutas, verduras y granos tiernos, esta actividad la desempeña desde hace 25 años, labora de domingo a domingo sin un horario fijo, en su casa se dedica a la cría de pollos y cuyes, como tiene potreros también vende la hierba.

Su crédito anterior lo invirtio en la compra de granos de los cuales le dejaron una buena ganancia. Su nuevo crédito lo va a invertir en la compra de granos tiernos y frutas para continuar con este negocio.

Su meta es agrandar mucho más su negocio de frutas.

Previous Loan Details

Julia is on her 8th loan with the community bank Bankito Progresista. She lives in the community of Paccha in Cuenca, a city with a lot of beautiful places full of nature. The people of Cuenca are friendly and warm-hearted and they maintain the culture and traditions from their villages. Juli... More from Julia Teresa's previous loan »

Additional Information

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Julia Teresa buying tender grains and fruits.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 7, 2013
Feb 1, 2013
Currency Exchange Loss:
Aug 17, 2013