Check out other loans that are currently fundraising!
Sandra Beatriz
Sandra is 38 years old. She lives with her common law husband in the village of Chillanes in the Bolívar province. She has four children ranging from 11 months to 13 years old.

Sandra is a member of the rural ventanilla (rural loan group) Progreso Comunitario, located two hours from Chillanes. There are 11 members total, the majority of whom cultivate cocoa or have their own small businesses.

Sandra has a general store that sells rice, pasta, and other food. She purchases her products from Mata de Cacao every eight days, which is one hour from her community.

She is requesting a loan in order to increase the variety of products in her store. With the support of the loan she wants to invest and buy more things, helping her family's economic state. Her dream is to have a large and steady store and for all of her children to go to school. She is challenged because sometimes people pay on credit and never give her the money.

She does not have free time because she works from 6:00 in the morning until 8:30 at night every day. If she doesn't work, she won't sell her products.
View original language description ↓
Sandra Beatriz V. T. tiene 38 anos. Vive en unión libre en el cantón de Chillanes en la Provincia Bolívar. Tiene 4 hijos de 13 anos hasta 11 meses.

Sandra es una socia de la ventanilla rural Progreso Comunitario, que está ubicada a dos horas de Chillanes. Son 11 socios en total, que en la mayoridad se dedican al cultivo de cacao o tienen sus propios pequeños negocios.

Sandra tiene una tienda general donde vende arroz, fideos, y otra comida. Hace las compras de sus productos en Mata de Cacao cada 8 días, que se queda una hora de su comunidad.

Solicita el crédito para aumentar las cosas diferentes que vende en su tienda. Con el apoyo del crédito quiere invertir y vender mas cosas. Podrá mejorar su situación familiar económica por poder ampliar sus productos. Su sueno es tener una tienda bien grande y estable, y que a todos sus hijos estudien. Se desafía porque a veces la gente paga por crédito y nunca le pagan su dinero.

No tiene tiempo libre porque trabaja de 6 en la mañana hasta 830 de la noche todos los días. Si no trabaja, no se venden sus productos.

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
  • 30
    View loans »
    Ecuador Loans Fundraising
  • $26,524,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sandra Beatriz to buy more products for her store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Sep 22, 2010
Oct 6, 2010
Currency Exchange Loss:
Nov 15, 2011