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Maria Isabel
María Isabel is 26 years old, single and living with her mother and son in Agua Clara which is part of Chillanes Canton.

The “Santa Rosa de Agua Clara” communal bank is located 20 minutes from the Chillanes office. It has 20 members and this is the second loan they’ve requested from the Cooperative. The members of this communal bank farm cocoa beans and manioc and also are merchants.

María has a merchant; she has a food restaurant. Her purchases take place in Chillanes and San Pablo and sales occur at the Chillanes Sunday Farmers Market.

The loan will help her buy fruit, vegetables and types of meat. The loan has helped her increase crop production. She has faced challenges like illness of the laborers and competence.

Her dream is to work and to get ahead. She likes to help her mother around the house.
View original language description ↓
Maria Isabel tiene 26 años, es soltera vive con la madre y un hijo, vive en el Recinto Agua Clara Perteneciente al Cantón Chillanes.

Los miembros de la V.R.C SANTA ROSA DE AGUA CLARA, está ubicada a 20 minutos de la oficina en Chillanes, esta constituida por 20 socios es el segundo crédito que solicitan a la cooperativa, los miembros de esta ventanilla se dedican a la agricultura siembran cacao y yuca, además se dedican al comercio.

Maria se dedica al comercio tiene un restaurante de comida. Las compras las realiza en Chillanes y San Pablo y las vende en la feria de los domingos en Chillanes.

El crédito le ayudará en la compra de frutas, verduras y tipos de carnes, el crédito le apoyado de manera que han incrementado los ingresos y existe los suficientes alimentos para cocinar. Ha enfrentado desafíos como enfermedades de los trabajadores y la competencia. Su sueño es trabajar y salir adelante.

Le gusta ayudar a su madre en la casa.

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
  • 24
    View loans »
    Ecuador Loans Fundraising
  • $26,461,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria Isabel to buy fruit, vegetables and all kinds of meat.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 26, 2011
Jun 16, 2011
Currency Exchange Loss:
Jun 24, 2012