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Maria Yolanda
María is 20 years old. She is a single mother with one son. She lives with her mother in Guaranda Canton, in the province of Bolivar.

The Mushuc Pakari communal bank is made up of ten people who make a living from agriculture. It is 40 minutes away from the office.

María makes a living from selling potatoes and cheese. She makes a living from agriculture – from sowing potatoes and broad beans. She also makes a living from breeding animals, such as cows, pigs, and sheep. She will use the money from the loan to buy fertilizers, urea, herbicides, vaccinations for her animals, and rice bran.

With the loan granted by Cooperativa San Jose, she will be able to improve her crops and her farming. She will make her purchases in Guaranda Canton. Her dream is to have her own house. The challenges she faces in life are plagues of insects and illnesses affecting her animals. She likes to spend her free time with her family.
View original language description ↓
María tiene 20 años de edad es madre soltera vive con su madre tiene 1 hijo 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.

María se dedica a vender papas y queso. Se dedica a la agricultura a la siembra de papas, Habas. Además se dedica a la crianza de animales como son vacas, cerdos, ovejas. Utilizara el dinero del crédito para comprar fertilizantes, urea, herbicidas, vacuna para los animales, polbillos.

Con el crédito que le otorga la cooperativa podrá mejorar la siembra, y ganaderia. Las compras las realiza en el cantón Guaranda. El sueño es tener una casa propia. Los desafíos a los que se enfrenta en la vida son las plagas y las enfermedades a los animales. En el tiempo libre le gusta 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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Yolanda to buy fertilizers, urea, herbicides, and vaccinations.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 13, 2013
Apr 11, 2013
Currency Exchange Loss:
Apr 17, 2014