Update on Maria DoloresMaría Dolores is a 34 year old single mother of one son, and they live in the city of Guaranda, in the province of Bolívar. She farms and raises livestock, and she makes her purchases and sales in Guaranda.
The VRC Mushuc Pakari cooperative is comprised of 10 members that do farming 40 minutes away from the office. María is asking for the loan to buy cattle, sheep, chickens, and pigs. With the help of this loan, she'll be able to improve her economic stability. Her dream is being able to buy herself a house with a garden. The challenges she faces are competition and bad climate.
María likes to spend her free time with her family. She is very grateful for the previous loan.
La VRC Mushuc Pakari esta conformada por 10 socios, se dedican a la agricultura a 40 minutos de la oficina.
María se dedica a la ganadería y la agricultura. Las compras y las ventas los realiza en Guaranda. Solicita el crédito para comprar ganado,ovejas,pollos, cerdos. Con la ayuda del crédito podrá mejorar la estabilidad económica.
El sueño es poder comprase una casa con jardín. Los desafíos a los que se enfrenta es la competencia y el mal clima.
En el tiempo libre le gusta pasar con la familia.
"Esta muy agradecida por el crédito anterior".
Previous Loan DetailsMaría Dolores is 32 years old, single, and has no children. She lives with her mother in Guaranda, which is in Bolívar Province. María Dolores is a member of the Communal Bank “Pangua” which is located in the community of Pangua Chaupiyacu and part of Guanujo parish in the canton of Guaranda... More from Maria Dolores'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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