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Nelly Verónica
Nelly Verónica A., age 24, lives with her parents and her five month old daughter, Alexandra. They live in the San Miguel canton in the Bolívar province.

Nelly is a member of the Santiagopamba Communal Bank, which is located in San Pablo. It is a half hour from the town of San Miguel. The communal bank is comprised of people who mostly work in agriculture. They plant corn, potatoes, and vegetables.

Nelly goes to school, and she works when she is not studying. She makes her purchases and sells her products every week in San Pablo.

Nelly is requesting a loan for her studies and to buy a calf. Her goal is to have a profession so that she can work. The challenge she faces in order to be able to travel to the university is economical.

She likes to practice basketball, and she likes the traditions like the San Pedro and San Pablo celebrations (towns close to San Miguel).
View original language description ↓
Nelly Verónica A. tiene 24 años, y vive con sus padres y su hija de 5 meses, Alexandra, en el cantón de San Miguel en la provincia de Bolívar.

Nelly es un miembro de la ventanilla rural Santiagopamba, que se encuentra en San Pablo, a media hora del pueblo de San Miguel. La ventanilla esta compuesta por personas que en su mayoría se dedica a la agricultura, en la siembra de maíz, papas y legumbres.

Nelly estudia y trabaja en la agricultura cuando no esta estudiando. Hace las compras y ventas de sus productos en San Pablo cada semana.

Nelly solicita el crédito para los estudios y para comprar un becerro. Su meta es tener su profesión para poder trabajar. El desafío que enfrenta es económicamente para poder viajar a la universidad.

Le gusta practicar el basket y las costumbres como fiestas de San Pedro y San Pablo (pueblos cercanos de San Miguel).

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
  • 43
    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 $1,000 helped Nelly Verónica education and to buy a calf.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 7, 2010
Jun 16, 2010
Currency Exchange Loss:
Jul 15, 2011