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Carmen Pilar
Carmen Pilar B. A. is 24 years old, she is single, and she lives alone in the city of Ventanas, in the Los Rios Province. She doesn't have children.

The members of the communal bank named "Valle Alto, are originally from the Voluntad de Dios community in Ventanas. This group is primarily involved in short-cycle agriculture, such as corn and rice.

Carmen is an agriculturist and she sows corns and rice. She buys and sells her products in the Pena market in Ventanas, and she also sells from her home and in the market in Ventanas every day.

She requests a loan to sow corn, to purchase products and seeds. With the support of this loan she will be able to provide for her needs, and to face challenges such as plagues, illness, and the changing weather. Her dream is to purchase a house and a car.

She enjoys watching television and listening to music.
View original language description ↓
Carmen Pilar B. A., tiene 24 años, es soltera, vive sola en el Cantón Ventanas Provincia de los Ríos. No Tiene hijos.

Los miembros de la V.R.C. VALLE ALTO se encuentra en el recinto Voluntad de Dios, pertenece al cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto a la siembra de maíz y arroz.

Carmen se dedica a la agricultura a la siembre de maíz y arroz, compra y vende los productos en ventanas en comercial Peña y vende en la casa o en el mercado de ventadas todos los días.

Solicita el crédito para sembrar maíz, compra de insumos y semillas. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es comprar una casa y un carro.

Le gusta ver televisión y escuchar música.

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
  • 59
    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 Carmen Pilar to purchase agricultural products and seeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 22, 2010
Feb 1, 2011
Currency Exchange Loss:
Jul 15, 2011