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Maria Erbina

Update on Maria Erbina

Maria is 64 years old. She is married and she has one son who lives with his parents in El Jobo, in the canton of Ventanas, province of Los Ríos.

She is a member of the NUEVO JERUSALEN communal bank. The bank is located in El Jobo in the Ventanas canton. The members work in agriculture and raising livestock.

Maria works in agriculture and she grows corn. With this loan, she will be able to purchase supplies like: fertilizers, insecticides and seeds in order to avoid plagues and illnesses. The purchases are made in the city of Ventanas. The loan has helped her to increase her income and her crops.

Her dream is to have money to purchase pigs and to set up a business selling animals.

In her free time, she likes to clean her house.

View original language description ↓
Maria tiene 64 años de edad de estado civil unida tiene un hijo vive con el compañero en el Recinto EL JOBO perteneciente al Canton Ventanas Provincia de Los Rios.

Pertenece a la Ventanilla NUEVO JERUSALEN se encuentra ubicada el el recinto EL JOBO, perteneciente al canton Ventanas se dedica a labores agricolas y pecuarias.

Maria se dedica a la agricultura a la siembra de maiz. Con el credito podra comprar insumos como: fertilizantes, abonos, insecticidas y semillas para evitar las plagas y enfermedades. Las compras las realiza en la ciudad de Ventanas. El credito le ayudado para aumentar los ingresos y los cultivos.

El sueño es tener dinero para comprar cerdos y ponerse un negocio de venta de animales

En los tiempos libres le gusta limpiar la casa.

Previous Loan Details

Maria Erbina is 62 years old. She's married and has a son who lives with his parents in the rural community of El Jobo, in the canton of Ventanas, province of Los Ríos. She's a member of the "Nuevo Jerusalén" communal bank, which is located in the rural community of El Jobo, in the canton of Ven... More from Maria Erbina'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
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria Erbina purchase fertilizers, insecticides and seeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 9, 2013
Jul 31, 2013
Currency Exchange Loss:
Feb 17, 2014