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Carmen Marina
Carmen Marina is 45 years old. She is single and lives with her five children; Lourdes (26), Verónica (24), Edith (19), Mauricio (17), and Jessica (16). They live in the hamlet of San Miguel in the Bolívar province.

Carmen belongs to the “Lotan Bajo Rural Window,” located 30 minutes from the town of San Miguel. There are a total of 13 members, most of who are dedicated to agriculture.

Carmen raises corn, beans, peas, and wheat. She buys and sells in the San Miguel marketplace every two weeks. She is asking for this loan in order to buy fertilizer. She believes that she will have more money if she invests it well and dreams of growing her business and buying a house. She has some problems with her health, but likes to take strolls, cook, dance, and sing old songs. Carmen works seven days a week.
View original language description ↓
Carmen Marina V. I. tiene 45 años de edad, es soltera y vive con sus 5 hijos: Lourdes (26 años), Verónica (24), Edith (19), Mauricio (17) y Jessica (16). Ellos viven en el cantón de San Miguel en la provincia de Bolívar.
Carmen es un miembro de la ventanilla rural Lotan Bajo, que se encuentra a media hora del pueblo de San Miguel. Son 13 socios en total, y en su mayoría se dedican a la agricultura.
Carmen se dedica a la agricultura y cultiva maíz, fréjol, habas y trigo. Hace las compras y ventas en el mercado de San Miguel cada 2 semanas. Solicita el préstamo para comprar abonos. Piensa que si lo invertirá bien, tendría más dinero. Su sueño es comprar una casa y crecer más el negocio. Enfrenta desafió con la salud.
Le gusta salir a caminar, cocinar, bailar y cantar canciones antiguas. Carmen trabaja 7 días por semana.

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
  • 39
    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 $800 helped Carmen Marina fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 17, 2010
May 27, 2010
Currency Exchange Loss:
Jun 15, 2011