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Maria Margarita
María is 37 years old. She is married and lives with her husband and their two children in the canton of Chillanes in the Bolívar province.

María is a member of the agricultural cooperative of Unión Central Parroquia San José del Tambo, located about an hour away from her home. Most members make a living raising and selling livestock. María works in a store. Things are going well and she is not facing any big challenge at this time, though she does not have much free time.

She is requesting a loan in order to improve her store and buy more merchandise. She will purchase these items in Mata de Cacao. María's dream is to buy a new car.
View original language description ↓
María tiene 37 años de edad es de estado civil unión libre tiene dos hijos vive con su esposo y sus hijos en

el Cantón Chillanes Provincia Bolívar.

Es integrante de ventanilla Unión Central Parroquia San José del Tambo actividad económica agricultura,

crianza de animales y comercio la comunidad se encuentra a una hora de la cooperativa.

María se dedica al negocio de productos de tienda.

Solicita el crédito para incrementar los productos en la tienda y así poder mejorar el negocio.

Las compras lo realizan en mata de cacao. Su sueño es comprarse un carro nuevo.

No tiene ningún desafío que enfrentar.

No tiene tiempo libre.

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
  • $25,045,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria Margarita to improve her store by acquiring more merchandise.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 12, 2013
Apr 29, 2013
Currency Exchange Loss:
May 28, 2014