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Maria Juana
Maria is 55 years old, married and has a son.  She lives with her husband and son in Guaranda, within the Bolivar province. 

She is a member of the VRC ALLY ÑAN communal bank, made up of ten members from the same community, located 20 minutes from the office.

Maria sells bricks and also farms and raises corn, barley, and wheat.

She is asking for this loan in order to buy dirt, pots, seeds, urea, and herbicides.  This loan will help here buy what she needs for her plantings and other work.

Her dream is for her business to prosper.  Her challenges are the competition that she faces.  She likes to care for her grandchildren in her spare time.
View original language description ↓
María tiene 55 años de edad es casada tiene un hijo, vive con el esposo y con el hijo en Guaranda provincia de Bolívar.

Es Integrante de la VRC ALLY ÑAN está conformada por 10 socios que son de la misma comunidad, está ubicada a 20 minutos de la oficina.

María se dedica al comercio de ladrillo, además se dedica a la agricultura a la siembras de maíz, cebada, trigo.

Solicita el crédito para comprar tierra, moldes, semillas, urea, herbicidas. Con la ayuda del crédito podrá comprar lo necesario para las siembras y el otro trabajo.

El sueño es que el negocio propere. Los desafíos a los que se enfrenta es la competencia. En el tiempo libre le gusta cuidar a los nietos.

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
  • 89
    View loans »
    Ecuador Loans Fundraising
  • $25,046,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Juana to buy supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 15, 2013
Apr 10, 2013
Currency Exchange Loss:
Apr 17, 2014