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Silvia Zoila
Silvia Zoila G. M. is 50 years old, married, and has five children. She lives in the county of San Miguel in the province of Bolivar. She is a member of the rural group, Calzado Solidario, a precinct located fifteen minutes from the county of San Miguel on the road towards the coast. They are 19 members total, the majority of whom are dedicated to agriculture and the rearing of animals. She works in agriculture in order to increase the family's income. The most popular crops are corn, potatoes, and she also has tomato tree plants. She sells the products at the San Miguel fair and in the Guaranda market. The most important holiday is carnival, which is celebrated every year in February and she takes this opportunity to get together with her family. She is applying for a loan so that she can buy fertilizers and seeds to work the land. Her objective is to have a good economic situation for her family. Her difficulties are the climate and the diseases that affect the crops.
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Silvia Zoila G. M. tiene 50 años, es casado, y tiene cinco hijos. Vive en el cantón de San Miguel en la provincia de Bolívar.

La socia es miembro de la ventanilla rural Calzado Solidario, es un recinto que se encuentra a quince minutos del Cantón San Miguel en la vía a la costa. Son 19 socios en total, los cuales la mayoría se dedican a la agricultura y la crianza de animales menores.

Trabaja en la agricultura para incrementar la economía de la familia. Los cultivos que más sobresalen son el maíz, papas y también tiene matas de tomate de árbol. Vende los productos en la feria de San Miguel y en el mercado de Guaranda.

La cultura principal es el carnaval que se celebra todos los años en febrero y aprovecha esta fiesta para reunirse con la familia.

La socia solicita el crédito para comprar fertilizantes y semillas para el trabajo del campo. Su meta es tener una buena actividad económica para la familia. Los desafíos que enfrenta son los problemas climáticos y las enfermedades que afectan a los cultivos.

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
  • 30
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Silvia Zoila purchase fertilizers and seeds for work.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jan 27, 2010
Feb 21, 2010
Currency Exchange Loss:
Jan 15, 2011