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Maria Mercedes
Maria Mercedes P. is 70 years old, married, and lives with her husband and two children.

She belongs to the rural bank "San Jose de las Orquideas," which is 15 minutes from the city of San Miguel, in the community of San Jose de Palmas. Most of the people in the community are farmers who grow potatoes and corn.

Maria is a farmer who grows corn, potatoes, and beans. She did not plant much this season because she is running out of space to plant on her land. Maria makes all of her purchases an sales in the city of San Pablo. She raises little animals on the side and currently has two cows. She is requesting a loan to buy fertilizer and urea for farming

Her dream is for her children to work and get ahead. She likes to work in the house doing her domestic chores when she has free time.
View original language description ↓
Maria Mercedes P. tiene 70 años, es casada, y vive con su esposo y 2 hijos.

La socia pertenece a la ventanilla rural "San Jose de las Orquideas" que está ubicada de 15 minutos de la ciudad de San Miguel en la comunidad de San Jose de Palmas. La gran parte de la comunidad son agricultores y crecen papas y maíz como los principales cultivos.

Maria se dedica a la agricultura y siembra maiz, papas, y frejol. Sembró poquito esta temporada porque no avanza su terreno para sembrar más. Hace todas sus compras y ventas en la ciudad de San Pablo. Crece animalitos como otra actividad productiva y actualmente tiene 2 ganado. Solicita el crédito para comprar abonos y urea para la agricultura.

Su sueño es que sus hijos trabajen para que salgan adelante. En sus ratos libres, le gusta mucho trabajar en la casa y hacer los deberes domesticos.

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!

About Ecuador

  • $10,600
    Average annual income
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria Mercedes to buy fertalizer and urea.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Feb 4, 2010
Feb 9, 2010
Currency Exchange Loss:
Jan 15, 2011