Update on Esperanza EstherEsperanza, 33, lives in a common-law marriage and has one child. She lives with her husband and child in Ventanas Canton, Los Ríos Province. She's a member of San Juan Communal Bank, located in the San Francisco area of San Juan Parish. The members are farmers.
Esperanza makes a living growing cacao. She's requesting the loan to buy supplies, fertilizer, manure, seed, and fungicide to take care of her crops.
Her dream is to have money to set up another business to have another source of income.
In her free time she likes to walk and exercise a little.
Es integrante de la VRC SAN JUAN, Se encuentra Ubicada en el Recinto San Francisco, Pertenece a la Parroquia San Juan se dedican a Labores Agrícolas.
Esperanza se dedica a la agricultura a la siembra de cacao. Solicita el crédito para comprar insumos, fertilizantes, abonos semillas y fungicidas para cuidar los cultivos
El sueño es tener dinero para ponerse otro negocio para tener otra fuente de ingresos.
En los tiempos libres le gusta caminar y hacer un poco de ejercicio.
Previous Loan DetailsEsperanza is 32, in a common-law marriage, and has one 7-year-old child. They live together in the Ventanas canton, Los Rios province. She is a member of the San Juan communal bank, located in San Francisco, belonging to the San Juan parish. The members of this communal bank work in agriculture.… More from Esperanza Esther'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