Update on Flor SenobiaFlor is 37 years old and is in a common-law marriage. She lives with her partner and their two children in the Ventanas canton of the Los Ríos province. She is a member of the '30 de Noviembre' loan group that is located in the Mina de Piedra precinct in the Ventanas canton, where residents make a living from agricultural work and livestock.
Flor makes a living from agriculture, growing corn. She will make the purchases in the Rodríguez shopping area in Ventanas. She is asking for the loan to buy supplies like manure, urea and fertilizers.
Her dream is to improve her family's finances. The challenges she faces are financial difficulties. On the weekends she likes to travel with her family.
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. Las compras lo realizan en el comercial Rodríguez en Ventanas. Solicita el crédito para la compra de insumos como los abonos, ureas, fertilizantes. Su sueño es mejorar la economía de la familia. Los desafíos que se enfrentan dificultades económicas.
Le gusta viajar los fines de semana con la familia.
Previous Loan DetailsFlor is 36 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 Noviembre” (November 30), a Communal Bank located in Mina De Pied... More from Flor Senobia'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