Update on Sandra FabiolaSandra is 23 years old, single, and has one child. She lives with her parents and her two-year-old child in the Ventanas canton in the Los Ríos province.
Sandra is a member of the San Juan communal bank, which is located in the neighborhood of San Francisco and part of the parish of San Juan. The members are farmers.
Sandra works growing rice and corn since more than two years back. She buys and sells in Ventanas. She is applying for this loan in order to buy seeds, manure, fertilizers, urea, and herbicides. The loan will be of great help because she can work the land and buy what she needs. Among the challenges she faces on a frequent basis are the competition and pests. Her dream is to have her own land.
In her free time, Sandra enjoys helping her mother.
Es integrante de la VRC SAN JUAN, Se encuentra Ubicada en el Recinto San Francisco, Pertenece a la Parroquia San Juan se dedican a Labores Agrícolas.
Sandra se dedica a la agricultura a la siembra de arroz, maíz hace dos años. Las compras y las ventas lo realiza en Ventanas. Solicita el crédito para comprar semillas, abonos, fertilizantes, urea, líquidos para la meleza.
El crédito le será de mucha ayuda para poder trabajar las tierras y comprar lo necesario.
Los desafíos que se le presenta muy frecuentemente es la competencia y las plagas. El sueño es tener terreno propio.
En los tiempos libres le gusta ayudar a la mamá.
Previous Loan DetailsSandra Fabiola is 21 years old, single, and has one child. She lives with her parents and her one-year-old son in the canton of Ventanas in Los Ríos Province. Sandra is a member of the San Juan Communal Bank, which is located in the neighborhood of San Francisco and part of the parish of San… More from Sandra Fabiola's previous loan »
About Cooperativa San JoseThis 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.
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Success!! The loan was 100% repaid