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Maria Luzmila
María is 54 years old. She is married and has two children. She lives with her husband in the canton of Chillanes, in Bolívar Province. María works in agriculture, planting crops such as blackberries. She is requesting the loan to buy supplies so she can carry out maintenance on her crops.

She makes her purchases in the city of Chillanes every weekend. Her dream is to give her children a better education. A challenge she faces is bad weather. In her free time, she likes to sew and to listen to the news.
View original language description ↓
María tiene 54 años de edad es casada tiene dos hijos vive con su esposo en el Cantón Chillanes Provincia


María se dedica a la agricultura como a la siembra de mora.

Solicita el crédito para la compra de insumos para poder dar mantenimiento al cultivo.

Las compras lo realiza en la Ciudad de Chillanes cada fin de semana.

Su sueño es dar mayor educación a sus hijos. El desafío que enfrenta es el mal tiempo.

En el tiempo libre le gusta cocer y escuchar noticias.

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
  • 86
    View loans »
    Ecuador Loans Fundraising
  • $25,054,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Maria Luzmila to buy supplies to carry out maintenance on her crops.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 3, 2013
Apr 28, 2013
Currency Exchange Loss:
Nov 17, 2014