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Elvira Natividad
Elvira Natividad H. A. is 29 years old. She is single and lives with her mother and father and her two children in the Chillanes canton in the province of Bolívar.

The members of the La Soledad communal bank are located in Recinto El Tambo in Chillanes canton. This communal bank has 12 members who work in agriculture, growing cacao, rice, corn, and yucca, and raising birds such as chickens and ducks.

Elvira farms, growing cacao, rice, corn, and yucca. She also has chickens. She buys her products in Chillanes and El Tambo, and sells them at the fair on Sundays in Chillanes.

She is asking for the loan to buy supplies for her crops, fertilizers, and food for her birds. The loan will help her economically to supply her with necessities, and also to face challenges such as infestations, illnesses, and variations in climate. Her dream is to work very hard to have money for her children, since they have no father, and she has to find a way to give them everything they need.

She likes to help her children with their homework.
View original language description ↓
Elvira Natividad H. A. tiene 29 años, es soltera vive con la madre y el padre y los hijos (2), en el Cantón Chillanes Provincia de Bolívar.

Los miembros de la V.R.C. LA SOLEDAD se encuentra ubicada en el recinto EL TAMBO pertenece al Cantón Chillanes, esta ventanilla de 12 miembros se dedica a las labores agrícolas de cultivos de cacao, arroz, maíz, yuca y además cría aves como gallina y patos.

Elvira se dedica a la agricultura a la siembra de cacao, arroz, maíz, yuca también tienen gallinas los productos los compra en Chillanes y en El Tambo y los vende en la feria de los domingos en Chillanes.

Solicita el crédito para la comprar de insumos para los cultivos además de fertilizantes y abonos y alimento para sus aves. 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 trabajar muy duro para tener dinero para sus hijos ya que no tienen papa y ella tiene que ver la manera que no les falte nada.

Le gusta ayudar a mis hijos hacer la tarea.

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
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $25,592,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Elvira Natividad to purchase crop supplies, fertilizers, and food for her birds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 29, 2011
Apr 9, 2011
Currency Exchange Loss:
Jun 27, 2012