Update on VilmaVilma is 46 years old. She is in a civil union and lives with her husband and their children, aged 4 and 1, in the canton of Urdaneta, in the province of Los Ríos. She belongs to the Palmasola communal bank, which is located in the rural area of Palmasola, which belongs to the parish of Ricaurte and the canton of Urdaneta. She is a farmer and grows rice. She asks for a loan in order to buy farming supplies, such as manure and fertiliser, in the town of Ventanas and the parish of Ricaurte. Her dreams are to stay healthy in order to keep working, and to have a good harvest. She faces challenges such as insect plagues and crop diseases. She enjoys caring for animals and watching the news in her spare time.
Es integrante de ventanilla Palmasola que se encuentra ubicada en el Recinto Palmasola, pertenece a la parroquia Ricaurte, Cantón Urdaneta se dedica a labores agrícolas y pecuarias.
Vilma se dedica a la agricultura a la siembra de arroz. Solicita el crédito para la compra de insumos agrícolas, como abonos, fertilizantes.
Las compras lo realizan en la ciudad de Ventanas y en Ricaurte. El sueño es tener salud para seguir trabajando y tener una buena producción. Los desafíos que se enfrenta son las plagas y las enfermedades. En sus tiempos libres le gusta cuidar los animales y ver las noticias.
Previous Loan DetailsVilma is 45 years old. She lives in a common-law marriage and she has one child. She lives with her husband and child in the Ventanas canton in the Los Ríos province. The communal bank “Palmasola” is located in the area of Palmasola which belongs to the Ricaurte parish in the Urdaneta canton. ... More from Vilma'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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