Update on Flor CarlotaFlor Carlota is 41 years old and in a common-law relationship. She lives with her husband and her children in the city of Ventanas, in Los Rios province. She is a member of the "30 de Julio" communal bank located in Zapotal Nuevo, which is part of Ventanas canton. The members of the group are farmers.
Flor Carlota is a farmer and grows corn and rice. She is requesting a loan in order to buy agricultural supplies, fertilizers, manures and liquid herbicide.
She makes her purchases and sells her crops in the city of Ventanas. This loan will help her to be more productive. She is facing challenges such as pests and crop diseases. Her dream is to have a good harvest. She likes to spend her free time 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.
Flor Carlota se dedica a la agricultura a la siembra de arroz y maíz. Solicita el crédito para comprar insumos, fertilizantes, abonos, líquido mata monte.
Las compras y las ventas de los productos las realizará en la ciudad de ventanas. Con la ayuda del crédito podrá ser mas productiva.
Enfrenta desafíos cómo las plagas, lancha en los cultivos. El sueño es tener una buena cosecha. en el tiempo libre le gusta pasar con la familia.
Previous Loan Details40-year-old Flor Carlota is a single mother who lives with her children in the city of Ventanas, in los Ríos province. She is a member of the 30 de Julio community bank which is located in Zapotal Nuevo, in Ventanas canton. The members of this group work in agriculture. Flor Carlota is a far... More from Flor Carlota'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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