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Zoila Ernestina
Zoila Ernestina C. B. is 55 years old, single, and lives in Recinto Delicia in the canton of Chillanes, Bolivar Province. She has five children: Hernán, Martina, Ángel, Jose, and Wilson.

Zoila is a member of the Communal Bank “El Progreso La Delicia Recinto”, which is in San José del Tambo Parish. The group has 19 members and their community engages in growing cacao and corn.

Zoila engages in agriculture and is currently planting corn. Every month she purchases products and farming supplies from the agricultural services division of AGRIPAD. She sells her goods at the Mata de Cacao Market in Tambo.

Zoila is requesting a loan to buy supplies for growing corn and views it as an opportunity to get ahead. Her dream is to have better financial income. The greatest challenge that she faces is the lack of financial resources and time.

She enjoys reading the Bible.

View original language description ↓
Zoila Ernestina C. B. tiene 55 años. Es soltera vive en el cantón de Chillanes en la provincia de Bolívar en el Recinto Delicia. Tiene 5 hijos, Hernán, Martina, Ángel, Jose y Wilson.

Zoila es una socia de la ventanilla rural El Progreso La Delicia Recinto que pertenece a la Parroquia San José del Tambo, esta ventanilla integran 19 socios, la Comunidad se dedican a sembrar cacao y maíz.

Zoila se dedica a la agricultura, siembra en ciclo cortó maíz. Realiza sus compras cada mes de los productos y de los insumos para la siembra en los Agro servicios de AGRIPAD y vende los productos en el Mercado de Mata de Cacao en el Tambo.

Solicita el préstamo para la compra de insumos de maíz. Piensa que el crédito es una oportunidad para salir adelante. Su sueño es tener mejor ingreso económico. El desafío que enfrentamos es el tiempo y la falta de recursos económicos.

Le gusta leer la Biblia.

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
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Zoila Ernestina purchase farming supplies for growing corn.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 14, 2010
Jul 17, 2010
Currency Exchange Loss:
Jul 15, 2011