Update on Marly ElciraMarly Elcira, age 36, is single and has three children. She lives in the city of Ventanas in the Los Ríos province. She is a member of the 30 de Julio communal bank. It is in the Zapotal Nuevo precinct in the Ventanas canton. The people there are farmers.
Marly Elcira is a farmer, and she grows rice and corn. She is requesting the loan to buy supplies, fertilizers, urea, compost, and liquid herbicide. She makes her purchases and sells her products monthly in the city of Ventanas.
Her dream is to be successful in life and to have more income. In her free time she likes to go to church with her family.
Es integrante de la VRC 30 de julio, se encuentra ubicada en recinto Zapotal Nuevo, pertenece al cantón Ventanas se dedican a labores agrícolas.
Marly Elcira se dedica a la agricultura a la siembra de arroz y maíz. solicita el crédito para comprar insumos, fertilizantes, urea, abonos, líquido mata monte.
Las compras y las ventas de los productos las realizará en la ciudad de ventanas mensuaalmente.
El sueño es tener éxito en la vida y más ingresos. En el tiempo libre le gusta ir a la iglesia con la familia.
Previous Loan Details35-year old Marly Elcira is single and has three children. She lives with her children in the town of Ventanas in Los Rios province. She is a member of the July 30th Community Bank located in the neighbourhood of Zapotal Nuevo belonging to Ventanas canton. Marly Elcira is a farmer growing ric... More from Marly Elcira'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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