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Nidia Encarnacion
Nidia Encarnación is 43 years old, married and living with her husband and daughter in Agua Clara which belongs to 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 are also merchants.

Nidia farms cocoa beans, manioc, corn and a little bit of bananas on her own land. She makes her purchases in Chillanes and San Pablo and her sales take place in the Chillanes Sunday farmers market.

The loan will help her buy farming supplies. The loan has helped her in such a way that her crop yield has increased. She has faced challenges like illness among the laborers and infestations and crop illnesses.

Her dream is to have enough income to educate her daughter. In her free time she enjoys going out with her husband and daughter.
View original language description ↓
Nidia Encarnacion tiene 43 años, es casada vive con el esposo y con la hija 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.

Nidia se dedica a la agricultura siembra cacao, yuca y maiz un poco de platano, en tierras propias. 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 insumos para los cultivos, el crédito le apoyado de manera que han incrementado la producción de los cultivos. Ha enfrentado desafíos como enfermedades de los trabajadores y las plagas y enfermedades en los cultivos. Su sueño es tener ingresos suficientes para educar a la hija.

En los tiempos libres le gusta salir con la hija y el esposo.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Nidia Encarnacion to buy farming supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 26, 2011
Jun 9, 2011
Currency Exchange Loss:
Jun 15, 2012