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Flor Senobia

Update on Flor Senobia

Flor is 36 years old, she lives in a common-law marriage and she has two children. She lives with her partner and children in Mina de Piedra, a community of the Ventanas Cantón in the Los Ríos province.

She is a member of “30 de Noviembre” (November 30), a Communal Bank located in Mina De Piedra, a comment of the Ventanas Cantón where people engage in agriculture and livestock breeding.

Flor engages in agriculture, planting corn, and in breeding livestock such as chickens. The loan she is requesting will be used to buy products such as fertilizers, manure, insecticides as well as animal balanced feed. She will buy her products in the town of Ventanas.

She dreams of buying some land to keep on planting. She likes helping others in community projects like cleaning the chapel.
View original language description ↓
Flor tiene 36 años de edad de estado civil Unión Libre tiene dos hijos vive con el esposo y con los hijos en el Recinto Mina de Piedra perteneciente al Cantón Ventanas Provincia de Los Ríos.

Pertenece a la Ventanilla 30 DE NOVIEMBRE se encuentra ubicada el recinto MINA DE PIEDRA perteneciente al cantón Ventanas se dedica a labores agrícolas y pecuarias.

Flor se dedica a la agricultura a la siembra de maíz y la crianza de animales de corral como pollos . Con el crédito podrá comprar insumos como: fertilizantes, abonos, insecticidas ,además alimento para los animales. Las compras las realiza en la ciudad de Ventanas.

El sueño es comprar terreno para seguir sembrando le gusta ayudar al progino en tareas comunitarias como limpiar la capilla.

Previous Loan Details

Flor, 35, is in a free union and has two children; she lives with her husband and children in Recinto Mina de Piedra that belongs to Ventanas Canton, Los Ríos Province. She belongs to the “30 de Noviembre” communal bank located in Recinto Mina de Piedra that belongs to Ventanas Canton; it’s invo... More from Flor Senobia'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
  • 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 $800 helped Flor Senobia to buy fertilizers, manure, insecticides as well as animal balanced feed.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 25, 2013
Jul 27, 2013
Currency Exchange Loss:
Jan 19, 2014