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Maria Manuela
Maria Manuela A. P., 40, is married and lives in Guaranda, Bolívar Province, Ecuador. She has 7 children who are 24, 22, and 19 years of age.

Maria is a member of the Gradas Chico communal bank located fifteen minutes by car from the city of Guaranda. It has 20 members in total who are corn, wheat and potato farmers and cattlemen for the most part. This is their third loan from the cooperative.

Maria is a farmer. She grows corn and she has a vegetable selling business. She makes her purchases and sales weekly in Guaranda’s market.

She is asking for funds to expand her business to be able to support her family. Help from the loan will make a stable business possible. Her dream is to have a business in a well established, stable site. Her challenge is competition in her line of work.

She likes to spend her free time with her family.
View original language description ↓
Maria Manuela A. P. tiene 40 anos. Es casada y vive en el cantón de Guaranda en la provincia Bolívar de Ecuador. Tiene 7 hijos de 24, 22, y 19 anos.

Maria es una socia de la ventanilla rural Gradas Chico, que está ubicada a quince minutos en carro de la ciudad de Guaranda. Son 20 socios en total, que en la mayoridad se dedican al cultivo de maíz, trigo, papas, y la cría de animales. Este es el tercer préstamo que sacan con la cooperativa.

A Maria se dedica a la agricultura. Tiene cultivos de maíz y un negocio de vender verduras. Hace las compras y las ventas de sus productos en el mercado de Guaranda cada semana.

Solicita el crédito para ampliar el negocio y poder mantener a la familia. Con el apoyo del préstamo la permitiría tener un negocio fijo. Su sueno es tener un negocio en un lugar bien establecido en un lugar fijo. Se desafia con la competencia en su negocio.

En su tiempo libre le gusta pasar tiempo con la familia.

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
  • 45
    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 Maria Manuela to expand her vegetable selling business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 26, 2010
Oct 1, 2010
Currency Exchange Loss:
Sep 15, 2011