Update on Elba JennyElba, 40, is single and has four children. She lives with them in the Ventanas Canton in the province of Los Ríos.
The members of the communal bank "San Antonio" work in agriculture and all live in the community of Aguas Frías, where they were practically raised. Most of them are crop or livestock farmers.
Elba works in agriculture and grows corn, rice and cocoa and also raises chickens and pigs.
She is requesting a loan to buy fertilizers and supplies. She plans to use the loan to buy fertilizers. Every week she goes to Ventanas to make her purchases. Her goal is to get ahead in her work, despite the competition she faces.
In her free time she enjoys staying busy.
Elba tiene 40 años de edad, es soltera, tiene cuatro hijos, vive con sus hijos en el Cantón Ventanas Provincia de Los Ríos.
La descripción de la ventanilla es VRC San Antonio sus miembros se dedican a la agricultura todos viven en el sector del Recinto Aguas Frías prácticamente se han Criado en esa zona. Se dedican a labores agrícolas o pecuarias en su mayoría.
Elba se dedica a la agricultura, siembra de maíz y arroz, cacaoy cria de pollos y chanchos.
Solicita el crédito para comprar fertilizantes, insumos, abonos.
Con el apoyo del crédito podrá comprar los fertilizantes.
Las compras lo realizan en Ventanas cada semana.
Su sueño es salir adelante con su trabajo. Su desafío es la competencia.
En sus tiempos libres le gusta trabajar.
Previous Loan DetailsElba, 40, is in a free civil union and has four children; she lives with her children in the city of Ventanas, Los Ríos Province. She’s in the “San Antonio” communal bank whose members all live in the Recinto Aguas Frías Sector; they’ve practically been raised there and they work in agriculture… More from Elba Jenny'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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