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Maria De La Cruz

Update on Maria De La Cruz

Maria, 43, is single and has no children. She lives with her parents in Ventanas Canton, in the province of Los Ríos. Cevallos communal bank is located in the San Francisco neighbourhood, and belongs to the San Juan de Pueblo Viejo parish. Its members work in agriculture.

Maria works in agriculture, sowing rice and corn, and also raises chickens. She is requesting credit to buy seeds, urea, fertilizer, pesticide, and animal feed. With the support provided by this loan, she will be able to purchase what she needs for her farm. She will make her purchases in Ventanas.

Her dream is to continue improving her clothing business. The challenges that she faces are competition and pests.
View original language description ↓
María tiene 43 años de edad es soltera no tiene hijos, vive con los padres en el Cantón ventanas provincia de los Ríos.


María se dedica a la agricultura a la siembra de arroz, maíz, además se dedica a la cría de gallinas. Solicita el crédito para comprar semillas, urea, fertilizantes, insecticidas y alimento para los animales.

Con el apoyo del crédito podrá comprar lo necesario para la agricultura. Las compras las realizará en Ventanas.

El sueño es seguir mejorando el negocio de ropa. El desafío al que se enfrenta es la competencia y las plagas.

Previous Loan Details

Maria, 42, is single and has no children. She lives with her parents in Ventanas Canton, Los Rios Province. Cevallos communal bank is located in the San Francisco neighborhood. It belongs to the San Juan de Pueblo Viejo parish, and the members work in agriculture. Maria works in farming, planti... More from Maria De La Cruz's previous loan »

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!

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.

About Ecuador

  • $10,600
    Average annual income
  • 90
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Maria De La Cruz to purchase seeds, urea, fertilizer, pesticide, and animal feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 19, 2013
Jul 16, 2013
Currency Exchange Loss:
Jul 17, 2014