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Carmen De Jesus Cruz

Carmen de Jesús, 46, is married and has three children. She lives with her husband and children in Chimbo Canton, Bolívar Province. Carmen de Jesús makes a living in agriculture growing corn.

She's requesting the loan to buy fertilizer, insecticide, and other supplies for the planting. She makes her purchases in the city of Chimbo.

Her dream is to have enough working capital. The challenge she faces is competition. She likes to spend her free time with her family.
View original language description ↓
Carmen de Jesús tiene 46 años de edad es casada tiene 3 hijos vive con su esposo e hijos en el Cantón Chimbo Provincia Bolívar.

Carmen de Jesús se dedica a la agricultura a la siembra de maíz.

Solicita el crédito para la compra de insumos, fertilizantes, insecticidas y demás productos para la siembra.
La compra lo realiza en la ciudad de Chimbo.

Su sueño es tener el suficiente capital de trabajo.

El desafío que enfrenta es la competencia.
En el tiempo libre le gusta compartir en 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
  • 77
    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 $800 helped Carmen De Jesus Cruz to buy fertilizer, insecticide, and other supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 22, 2013
Apr 29, 2013
Currency Exchange Loss:
May 28, 2014