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Luz Maria

Update on Luz Maria

Luz, 28, lives in a common-law marriage and has a daughter, 6. She lives with her husband and daughter 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, where people make a living in agricultural labor.

Luz earns a living in agriculture growing rice and corn. She makes her purchases and sales in San Juan.

She's requesting the loan to buy seed, manure, fertilizer, and fungicide. The loan will help her pay cash for the supplies.

Her dream is to have money to take a trip with her family. In her free time she likes to go out and play with her daughter.
View original language description ↓
Luz tiene 28 años de edad vive en unión libre tiene una hija, vive con el esposo y con la hija de 6 años de edad en el Cantón Ventanas Provincia de los ríos.

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.

Luz se dedica a la agricultura a la siembra de arroz, maíz. Las compras y las ventas lo realiza en San Juan.

Solicita el crédito para comprar semillas abonos fertilizantes y fungicidas. Con el crédito le ayudara a comprar los insumos al contado.

el sueño es tener dienro para salir de viaje con la familia

En los tiempos libres le gusta salir con la hija a jugar.

Previous Loan Details

Luz María is 26 years old, in a common-law marriage, and has a daughter. She lives with her husband and four-year-old daughter in the canton of Ventanas in Los Ríos Province. Luz María is a member of the San Juan Communal Bank, which is located in the neighborhood of San Francisco and part o... More from Luz Maria'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
  • 47
    View loans »
    Ecuador Loans Fundraising
  • $24,293,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Luz Maria to buy seed, manure, fertilizer, and fungicide.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 18, 2013
Mar 12, 2013
Currency Exchange Loss:
Apr 30, 2014