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Rosa Mercedes
Rosa is 38 years old, married, and has five children with whom she lives in the Canton of Guaranda in the Province of Bolívar.

The Mushuc Pakari community bank is made up of 10 members who make a living farming around 40 minutes away from their office.

Rosa works selling vegetables and farming potatoes. She also raises animals such as cattle and sheep. She will use the loan to buy fertilizers and vaccines for her cattle. The loan will help her to make a living in agriculture and animal husbandry. She makes her purchases in Guaranda.

Her dream is to have hr own land and house. The challenges she faces are competition and bad weather. In her free time, she likes spending time with her family.
View original language description ↓
Rosa tiene 38 años de edad estado civil casada tiene 5 hijos vive con sus hijos vive en el Cantón Guaranda Provincia de Bolívar.

La V.R.C Mushuc Pakari está conformada por 10 socios se dedica a la agricultura a 40 minutos de la oficina.

Rosa se dedica a vender legumbres a la agricultura a la siembra de papas, Además se dedica a la crianza de animales como son vacas borregos. Utilizara el dinero del crédito para comprar, fertilizantes, vacuna para las vacas.

Con la ayuda del credito podrá dedicarce a la gricultura y a la crianza de animales. Las compras las realiza en Guaranda. El sueño es tener un terreno propio y una casa propia.

Los desafíos a los que se enfrentan es la competencia y el mal clima. En el tiempo libre se dedica a pasar con la familia.

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!

About Ecuador

  • $10,600
    Average annual income
  • 49
    View loans »
    Ecuador Loans Fundraising
  • $24,292,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Rosa Mercedes to buy fertilizers and vaccines.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 13, 2013
Mar 24, 2013
Currency Exchange Loss:
Apr 17, 2014