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Carmen Ester

Update on Carmen Ester

Carmen, 54, is in a common-law relationship and has eight children. She lives with her husband and the children, who are still single, in the Desvió de los Amarillos precinct in Ventanas canton, Los Ríos province. She belongs to the Pequeños Agricultores Communal Bank in the Desvió de los Amarillos precinct, Ventanas canton, where people work in agriculture and livestock.

Carmen makes a living in agriculture by growing corn and raising barnyard animals such as chickens and pigs. With the loan she'll be able to buy supplies like fertilizer, manure, and insecticide to avoid pests and disease, and balanced animal feed.

She makes her purchases in the city of Ventanas.

Her dream is to continue working in order to have money to travel to the Galapagos. She really likes working in the fields.
View original language description ↓
Carmen tiene 54 años de edad de estado civil Unión Libre tiene 8 hijos vive con el esposo y con los hijos que aun son solteros en el Recinto Desvió De los Amarillo perteneciente al Cantón Ventanas Provincia de Los Ríos.

Pertenece a la Ventanilla PEQUEÑOS AGRICULTORES se encuentra ubicada el recinto Desvió de los Amarillos, perteneciente al cantón Ventanas se dedica a labores agrícolas y pecuarias.

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

El sueño es seguir trabajando para tener dinero para viajar a Galapagos, le gusta mucho trabajar en el campo.

Previous Loan Details

Carmen, 54, is in a common-law relationship and has eight children. She lives with her husband and the children, who are still single, in the precinct of Desvió de los Amarillos in Ventanas Canton, Los Ríos Province. She belongs to Pequeños Agricultores Communal Bank in the precinct of Desvió d... More from Carmen Ester'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
  • 51
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carmen Ester to buy fertilizer, manure, and insecticide to avoid pests and disease.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 25, 2013
Dec 24, 2013
Currency Exchange Loss:
Dec 20, 2014