Update on Rosa MacloviaFor some time now, Rosa has been a member of the communal bank "Sector 3 Marías". She lives on the outskirts of the Turi community in Cuenca, which has lush green fields due to its geography. The locals are hard-working, determined people who run businesses involving agriculture, livestock farming and commerce. They maintain the culture and traditions of the villages.
Rosa, 40, is married and has four children, ages 20, 17, 16 and 14. Her eldest two work and help out financially and also study through distance learning. The youngest two attend school in the city. Her husband works for a private company and they own their home.
Rosa raises animals, works in agriculture and also works as a domestic employee. All of these jobs give her economic independence and sometimes she even has time to spend with family, especially her children.
She used her previous loan to buy chickens which have given her a very good profit. She is requesting another loan to buy more chickens, animal feed and seeds for planting. She enjoys the communal bank because of the educational talks she receives, the cheerfulness of the other members and the camaraderie.
Doña Rosa tiene 40 años de edad, está casada y en su unión conyugal ha concebido 4 hijos de 20, 17, 16 y 14 años de edad, sus dos primeros hijos trabajan, le ayudan económicamente y estudian en un colegio a distancia, sus dos últimos hijos solo se dedica a estudiar en un colegio de la ciudad. Su esposo labora como empleado privado, la casa en la que viven es propia.
Doña Rosa se dedica a la crianza de animales, a la agricultura y también trabaja en el arreglo de casas, todas estas actividades le permiten tener su independencia económica, a la vez que tiene un espacio para estar con su familia y en especial con sus hijos.
Su crédito anterior lo invirtió en la compra de pollos de los cuales obtuvo muy buenas ganancias. Esta repitiendo el crédito y lo va a invertir en la compra de más pollos, alimento para sus animales y semillas para sus cultivos. El grupo de crédito le gusta por las charlas de educación que reciben, la alegría de todas las socias y el compañerismo.
Previous Loan DetailsRosa is on her fourth loan with the "Sector 3 Maria" communal bank. She lives in a community belonging to Turi Parish in Cuenca. Turi comes from the indigenous word "kuri" which means gold. It has a structure typical of the rural settlements in the region: the presence of a plaza and church, and… More from Rosa Maclovia's previous loan »
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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