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Maria A. M. is 25 years old, married, and lives with her husband and three children: Alex (age 8), Mercy (age 4) and Josely (age 1½).

She is a member of the Communal Bank “Mushuc Nan”, which means “New Road” in Quechua. The group consists of 18 women who work in agriculture. They live in the community of Guantug Cruz in the canton of Guaranda. All of them have a great desire to work with credit so that they can get ahead in life.

Maria has been growing blackberries for ten years. She sells the fruit on a weekly basis in her community. Maria also raises animals to earn income, which currently consists of chickens and cows. In addition, she grows lima beans, potatoes, and corn for personal consumption and to use as feed for her animals. She is requesting a loan in order to buy compost and liquid fertilizers to maintain her crops. Her dream is to own a nice house with land for farming. She also wants her children to pursue an education so that they can become professionals.

View original language description ↓
Maria A. M. tiene 25 años, es casada, y vive con su marido y 3 hijos que se llaman Alex de 8 años, Mercy de 4 años, y Josely de 1.5 años.

La socia es un miembro de la ventanilla rural "Mushuc Nan", la cual está en Quechua y en español significa "Camino Nuevo". Es un grupo de 18 mujeres que trabajan en la agricultura. Pertenecen a la comunidad de Guantug Cruz en el cantón de Guaranda. Todas tienes buenas ganas de trabajar con créditos para poder salir adelante en su vida.

Maria trabaja en la agricultura sembrando mora desde hace 10 años. Vende la mora semanalmente en la comunidad. Su otra actividad economica es la crianza de animales, actualmente tiene gallinas y vacas. También tiene cultivos de habas, papas, y maiz para consumir y para alimentación para los animales. Solicita el crédito para comprar abonos, liquidos, y fertilizantes para mantener el cultivo.

Su sueño es tener una buena casa con terreno para cultivar. Quiere también que sus hijos estudien y sean profesionales.

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
  • 62
    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 $600 helped Maria purchase composts & fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 23, 2010
Feb 24, 2010
Currency Exchange Loss:
Mar 19, 2011