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Mariela Mercedes
Mariela is 20 years old and single, with no children, and she lives with her parents in Chillanes, a province of Bolívar.

The communal bank "Virgen de Baños" was formed in the community of Mama Sara de Cerritos, about 30 minutes away from the Cooperative's office.

Mariela works in agriculture and grows corn and beans and also raises cattle and pigs. She would like this loan to buy seeds, compost for her plantings, and herbicides.

With the help of this loan, she will be able to buy what she needs for her farming. She will make her purchases in Chillanes. Her dream is to finish her studies. In her free time, she likes to watch television and listen to music.
View original language description ↓
MARIELA tiene 20 años de edad es soltera no tiene hijos, vive con los padres en Chillanes provincia de Bolívar.

La VRC VIRGEN DE BAÑOS está formada por en la comunidad mama Sara de Cerritos, a una distancia de 30 minutos de la oficina de la Cooperativa.

Mariela se dedica a la agricultura a la siembra de fréjol, maíz, además se dedica a la crianza de ganado y cerdos. solicita el crédito para comprar semillas, abonos para las siembras, herbicidas.

Con la ayuda del crédito podra comprar lo necesario para la agricultura. Las compras lo realizará en Chillanes.
El sueño es terminar los estudios. En el tiempo libre le gusta ver televisión, ecuchar música.

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
  • 57
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Mariela Mercedes to buy seeds, composts for planting, and herbicides.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 26, 2013
Apr 19, 2013
Currency Exchange Loss:
Apr 30, 2014