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Morayma Ofir De Rosario
Morayma is a woman who has overcome several obstacles throughout her life. She began to work on her parents' farm when she was very young, plowing the land and harvesting the fruits of the cultivated seeds. Now she is 52 years old and divorced, a situation which caused her to have fear in her life. However, she continued on and she now lives in the canton of Santo Domingo in the province of Santo Domingo de los Tsachilas.

Santo Domingo connects the Sierra region with the coastal region of Ecuador. The city has become a hub of commerce, with many sectors experiencing growth. As a testament to this, many enterprising families who started their small business a few years ago are now small business owners who give employment to the next generation. Studies reveal that the majority of businesses began empirically and have been embraced by tourists, entrepreneurs and travelers who go from one region to another. It is also the third most inhabited city in the country.

Morayma has had knowledge of agriculture since she was a girl, but she started her own business thirty years ago, a short time after finishing secondary school. She invests her entire day in the maintenance and sale of her crops. The difficulty she has had with growing her business is a lack of capital. However, through Fundación Alternativa she has found plenty of flexibility and concern for those who live in rural areas. This is why she decided to apply for a loan through the organization in order to buy supplies and tools which will help her maintain her farm in excellent conditions. This will keep her from losing crops, because on several occasions a lack of attention to the fields, the ground, the fences, and other elements has caused large quantities of fruit to be thrown away.

She hopes that with the improved maintenance that she will give to her land, her product will generate larger quantities and she will be able to have a better income. She will then be able to save a certain amount to settle her costs in her elderly years, when she is afraid that she will be alone with only the support from her work.

Morayma sends her greetings and gratitude to the Kiva lenders, who support the dreams of so many people in Latin America and in the world who have set off with their business ideas.
View original language description ↓
Morayma es una mujer que a lo largo de su vida ha superado varios obstáculos, pues siendo muy joven ya trabajaba en la finca de sus padres, arando la tierra y cosechando los frutos que daban las semillas cultivadas. Ahora ya tiene 52 años, es divorciada, situación que le causó mucho temor en su vida, pero siguió con su vida y ahora vive en el cantón Santo Domingo de la provincia de Santo Domingo de los Tsachilas. Santo Domingo se encuentra conectando la Región Sierra con la Región Costa del Ecuador, es una ciudad que se ha convertido en un eje comercial con varios sectores en crecimiento y como prueba se tiene a varias familias emprendedoras que hace algunos años comenzaron con pequeños negocios y ahora son microempresarios que aportan a la generación de empleo. Los estudios revelan que todos los negocios en su mayoría, empezaron empíricamente y han tenido acogida por el paso de turistas, empresarios y viajeros que se trasladan de una región a otra y además que es la tercera ciudad más habitada en el país.
Morayma conoce de agricultura desde que es una niña pero emprendió con esta actividad desde hace 30 años, poco después de haber terminado la secundaria. Invierte todo su día en el cuidado de los cultivos y la venta de los mismos. La dificultad que ha tenido con el crecimiento de su negocio es la falta de capital, sin embargo ha encontrado en Fundación Alternativa mucha agilidad y preocupación por la gente de las zonas rurales. Es por esto que decidió solicitar allí un préstamo para comprar insumos y herramientas que le ayuden a mantener su finca en un estado óptimo, de tal forma que los cultivos no se echen a perder, pues en varias ocasiones la falta de atención a los sembríos, al suelo, a las cercas y demás, ha ocasionado que cantidades grandes de frutas se desechen. Ella espera que con este mantenimiento mejorado que le dará a la finca su producto se genere en mayores cantidades y así poder tener más ingresos de los cuales pueda destinar una cantidad para ahorrar y solventar gastos en sus años de vejez, en los cuales se teme estará sola con el único sustento de su trabajo. Morayma envía un saludo y mucha gratitud a quienes aportan con sus préstamos en el portal de Kiva para apoyar los sueños de tantas personas en Latinoamérica y el mundo que han emprendido con sus ideas de negocio.

Additional Information

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About Fundación Alternativa

Fundación Alternativa encourages entrepreneurship and provides sustainable financial and non-financial services that promote social and economic development in Ecuador. The organization focuses on serving poor and excluded populations through analysis of clients' living conditions and by providing business training and other support services in urban, rural and marginalized parts of the country.

About Ecuador

  • $10,200
    Average annual income
  • 58
    View loans »
    Ecuador Loans Fundraising
  • $23,551,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Morayma Ofir De Rosario to repair and modify her farm to better maintain her crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 28, 2013
Listed
Feb 23, 2013
Currency Exchange Loss:
N/A
Ended:
Jan 18, 2014