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María Concepción
Maria Concepcion C. R., 51, lives in Bolivar province with her husband and children. She has 2 children.

The members of the GRUPO DE MUJERES CARBON CHINIPAMBA community bank meet in Carbon Chinipamba, some 20 minutes from our office. Most of the group's members make a living from farming, raising livestock or running small businesses. Some grow rice, beans, quinoa, potatoes, etc. and some raise dairy cows and other farm animals.

Maria farms four parcels of land where she grows potatoes, maize, peas, beans, corn, wheat and other crops. She also has 8 head of cattle, along with pigs and sheep. She buys the supplies she needs in the market at Guaranda and sells what she produces in the wholesale market there.

Maria is applying for a loan to buy animal feed and other supplies she needs for her livestock business. The loan will help her generate the income she needs to live. She faces challenges that include crop diseases and poor weather conditions. She wants to build a solid house of cement and buy more land for sowing her crops.

Maria enjoys knitting, spending time with her family and the celebrating at holidays.
View original language description ↓
María Concepción C. R. tiene 51 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 CARBON CHINIPAMBA se encuentra ubicada en la comunidad carbón Chinipamba, sector cuatro esquinas Cantón Guaranda a una distancia de 20 minutos de la oficina de la cooperativa, la mayor parte de los socios se dedica a la agricultura, ganadería y comercio por lo que produce arroz, cebada, habas quinua, papas y animales de cómo: vacas lecheras y animales de corral.

María se dedica a la agricultura tiene cuatro cuadras de terreno propio, siembra papa, habas, quinua cebada, maíz tiene 8 cabezas de ganad, cerdos y borregos. Las compras las realiza en el mercado de Guaranda y las vende en el mercado mayorista de la misma ciudad.

Solicita el crédito para la comprar de insumos 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 una casa de cemento armado y comprar terreno.

Le gusta tejer, pasear con la familia y festejar todas las fiestas.

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
  • 40
    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 $600 helped María Concepción to buy supplies for her livestock business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 11, 2011
May 19, 2011
Currency Exchange Loss:
Jun 15, 2012