Update on Maria LauraMaría is 26 years old, single, and has two children. She lives with her family in Guaranda Canton in the province of Bolívar. She is a member of the Mushuc Pakari Communal Bank, which is made up of members who work in agriculture and is located 40 minutes from the office of Cooperativa San José. María works in agriculture, growing potatoes and oats, as well as raising animals, including cows and pigs. She also works selling potatoes and cheese.
María is requesting this loan to buy fertilizer, animal feed and vaccinations for her cows. She says that with the loan she will be able to improve her crops and animals. She will buy her supplies in Guaranda Canton. She says that her dream is to have her own home, and that the challenges she faces in life are planting her crops and growing better products. She likes to spend her free time with her family. María says that she is very grateful for her previous loan.
La V.R.C Mushuc Pakari está conformada por los socios se dedica a la agricultura a 40 minutos de la oficina.
María se dedica a la agricultura a la siembra de papas avena, se dedica a la crianza de animales como son vacas cerdos, además se dedica a la venta de papas y queso.
Utilizara el dinero del crédito para comprar fertilizantes, polvillo, vacuna para las vacas. Con el credito que le otorga la cooperativa mejorara la agricultura y la ganadería.
Las compras las realizará en el cantón Guaranda. El sueño es tener casa propia. Los desafíos a los que se enfrentan en la vida es poder sembrar y ontener mejores productos. En el tiempo libre le gusta pasar con la familia.
"Está muy agradecida por el crédito anterior".
Previous Loan DetailsMaría Laura is 24 years old. She’s single, has two children, and lives with the father of her two children who are 7 and 2 years old. They live in Guaranda, within the Bolívar province. She’s a member of the Ventanilla Pangua communal bank, located in the Pangua Chaupiyacu community of the… More from Maria Laura'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