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Zoila Rosa

Update on Zoila Rosa

Zoila is 30 years old, married, and has one child. She lives with her husband and son in the canton of Guaranda in Bolívar Province.

Zoila is a member of the Communal Bank “Nuevos Horizontes” (New Horizons), which is about 40 minutes away from the community of Santa Martha in the canton of Guaranda.

Zoila is a farmer who grows blackberries and “naranjillas”. She also raises chickens to sell. Zoila is requesting a loan in order to buy compost, fertilizers, balanced feed, urea, and organic matter. Her purchases and sales are conducted in Guaranda every 15 days. With the help of this loan, she will be able to buy supplies and feed for her chickens. The challenges she faces include dealing with bad weather and pests.

Zoila dreams of increasing the quantity of products that she can sell. In her free time, she likes to organize walks with her family.

View original language description ↓
Zoila tiene 30 años de edad estado civil casada tiene un hijo, vive con el hijo y con el esposo en el Cantón Guaranda Provincia de Bolívar.

Es integrante de la Vrc Nuevos Horizontes, la comunidad se encuentra a unos 40 minutos en la comunidad santa Martha perteneciente al Cantón Guaranda.

Zoila se dedica a la agricultura a la siembra de mora, naranjilla, además se dedica a la críanza pollos para poder venderlos.

Solicita el crédito para poder comprar abonos, fertilizantes, balanceado, urea, abono orgánico. Las compras y las ventas lo hace en Guaranda cada 15 días. Con la ayuda del crédito podrá comprar los insumos y la comida para los pollos.

Los desafíos a los que se enfrenta es el mal clima y las plagas. El sueño es aumentar la cantidad de productos para venderlos. En el tiempo libre le gusta organizar los paseos con la familia.

Previous Loan Details

Zoila Rosa, 29, is a single mother but that hasn't stopped her from working hard to get ahead. She and her 10-year old son live in Guaranda, a town in Boliva province. Zoila is a member of the Nuevos Horizontes community bank. Her town is about 40 minutes from Santa Martha in Guaranda cant... More from Zoila Rosa'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
  • 95
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Zoila Rosa to buy compost, fertilizers, balanced feed, urea, and organic matter.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 14, 2013
Apr 2, 2013
Currency Exchange Loss:
Apr 17, 2014