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Zoila Victoria
Zoila Victoria S. M. is 21 years old. She is married and lives with her husband and two children in Guaranda canton, in Bolívar province.

The 'GRUPO DE MUJERES MUSHUC ÑAN' community bank is located in Guanto Cruz community, in Guanujo parish, in Guaranda canton. The 22 members of this group work in agriculture, growing blackberries and corn. They also raise farmyard animals and dairy cows for making cheese.

Zoila is a farmer who grows blackberries and corn. She also raises farmyard animals. She buys her supplies in Guaranda and sells her produce in Guaranda market.

Zoila is requesting this loan to buy supplies, animals to raise, and feed for her animals. The support of this loan will help her to financially cover her needs. She faces challenges in her work such as insect infestations, plant diseases and changes in the weather. Her dream is to build a house to live in with her family.

Zoila enjoys walking with her family around her community.
View original language description ↓
Zoila Victoria S. M. tiene 21 años, Es casada vive con el esposo y con los hijos en el Cantón Guaranda Provincia de Bolívar. Tiene 2 hijos.

Los miembros de la V.R.C. GRUPO DE MUJERES MUSHUC ÑAN se encuentra ubicado en la Comunidad Guanto Cruz, parroquia Guanujo, pertenece al Cantón Guaranda, esta ventanilla de 22 miembros se dedica a las labores agrícolas en cultivo de mora, maíz, cría de animales de corral y vacas lecheras para la elaboración de quesos.

Zoila se dedica a la agricultura a la siembra de mora y maíz y a la cría de animales de corral comprar sus productos en Guaranda y los vende en la feria de Guaranda.

Solicita el crédito para la comprar de insumos y animales de cría y alimentación de los animales. 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 construir la casa para vivir con la familia.

Le gusta caminar con la familia por la comunidad.

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
  • 54
    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 $800 helped Zoila Victoria to buy supplies, animals to raise and feed for her animals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 25, 2011
Mar 24, 2011
Currency Exchange Loss:
Mar 17, 2012