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Flor Beatriz

Update on Flor Beatriz

Flor is a 30 year old single mother who lives with her two daughters, who are 12 and 1, in Ventanas, in the Los Ríos province. She is a member of the "30 de Noviembre" communal bank which is located in the Mina de Piedra community in the Ventanas canton. The members work in agriculture and animal husbandry.

Flor works in agriculture, planting corn and raising animals. She is seeking a loan to purchase supplies needed for agriculture such as: manure, fertilizer, urea, fungicide, and balanced animal feed. She will make the purchases in Ventanas. Her dream is to purchase a plot of land. The challenge she faces is to work much more. In her free time, she enjoys being with her family.
View original language description ↓
Flor tiene 30 años de edad estado civil soltera vive con sus hijas de 12 y 1 año en Ventanas Provincia de los Ríos
Es integrante de ventanilla 30 de Noviembre que se encuentra ubicada en el Recinto mina de piedra, pertenece 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 . Solicita el crédito para los insumos que necesita para la agricultura como abono, insecticida, fertilizantes, urea, fungicida además alimento para los animales balanceados. La compra lo realiza en Ventanas. El sueño es comprar un terreno. El desafío al que se enfrenta es trabajar mucho más. En su tiempo libre le gusta compartir con su familia.

Previous Loan Details

Flor is 30 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 NOVIMEMBRE (November 30), a Communal Bank located in Mina De Piedr... More from Flor Beatriz'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 $1,000 helped Flor Beatriz to buy fertilizers, manure, insecticides and animal balance feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 17, 2013
Jan 16, 2014
Currency Exchange Loss:
Jan 17, 2015