Update on Livia VioletaLivia is 52 years old and married with three children. She lives with her spouse and children in the Chillanes province of Bolívar.
The community bank "Virgen de Baños" exists in the community of Mama Sara de Cerritos, about 30 minutes away from the Cooperative's office.
Livia works farming beans, corn, and blackberries, and she also raises cattle. She will use this loan to buy urea, seeds, herbicides, and hay. With the help of this loan, she will be able to buy what she needs for the spring planting. She will make her purchases in Chillanes.
The hardships which she has faced are the natural disasters which have resulted in losses. In her free time, she likes to visit her family and friends to hang out.
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.
Livia se dedica a la siembras de fréjol, maíz, mora, además se ddeica a la crianza de ganado vacuno. Solicita el crédito para comprar urea, semillas, herbicidas, hierba.
Con la ayuda del crédito podrá comprar lo necesario para las siembras. Las compras las realizará en Chillanes.
Los desafíos a los que se nefrenta son los desastres naturales que ocacionan pérdidas.
En el tiempo libre e gusta visitar a la familia, amistades y pasear.
Previous Loan DetailsLivia Violeta, 51, is married and has three children. She lives with her husband and children who are 25, 21 and 15 years old in Chillanes, Bolívar Province. The “Virgen de Baños” communal bank is composed of the Cerritos Mama Sara community. The members spend most of their time farming,… More from Livia Violeta'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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Success!! The loan was 100% repaid