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Maria Josefina
Maria is 52 years old and married. She has two children and lives with her spouse and children in Guaranda in the Province of Bolivar.

She works in agriculture, planting corn and potatoes. She also has cows that produce milk. The money she is asking for is to buy manure, fertilizer and pesticides, as well as food and medicine for the cows.

The loan will help her to increase the income of her family. Her dream is to buy a piece of land to build a house. In her free time, she likes to relax.
View original language description ↓
Maria tiene 52 años es casada tiene dos hijos vive con la esposa y con los hijos en Guaranda Provincia de Bolivar.

Se dedica a la agricultura a la siembra de maiz y papas ademas tiene vacas que producen leche, el dinero lo solicta para la comprar se abonos, fertilizantes y mala plagas, ademas comida y medicina para las vacas.

Con el credito le ayudado a incrementar los ingresos de la familia.

El sueño es comprar un terreno para construir una casa.

en los tiempos libres le gusta descansar.

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
  • 78
    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 $600 helped Maria Josefina to buy manure, fertilizers and pesticides, as well as food and medicine for the cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 27, 2013
Jun 6, 2013
Currency Exchange Loss:
Jun 19, 2014