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Yolanda Zulema
Yolanda Zulema is 42 years old, married, and lives with her husband and children in the canton of Ventanas in Los Ríos Province.

The members of the Communal Bank “El Divino Niño” (The Divine Child) meet in the neighborhood of Estero Lindo, which is part of the canton of Ventanas. This Communal Bank consists of short-cycle farmers who grow corn and rice.

Yolanda is a farmer who grows corn and rice. She buys her products at the AGRIPAC Commercial Center and sells at the wholesale market in Ventanas.

The loan she is requesting will be used for planting corn and rice. She will buy seeds and composts for her corn and rice crops. With the financial assistance provided through this loan, she will be able to acquire needed supplies. The challenges she faces include diseases that could impact her crops and the lack of money to pay for more workers. Her dream is to continue investing in her business so that she can have more income and support her children.

Yolanda enjoys cooking for her family and dancing at parties.

View original language description ↓
Yolanda Zulema tiene 42 años, Es casada vive con el esposo y con los hijos , en el Cantón Ventanas Provincia de los Ríos.

Los miembros de la V.R.C. EL DIVINO NIÑO, se encuentra ubicada en el recinto Estero Lindo, perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto como siembre de maíz y arroz.

Yolanda se dedica a la agricultura a la siembra de maíz y arroz. Compra sus productos en Comercial AGRIPAC y los vende en el mercado mayorista de Ventanas.

Solicita el crédito para sembrar maíz y arroz, compra de semillas y abonos de maiz y arroz. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrenta desafíos como plagas en los cultivos y la falta de dinero para pagar a mas trabajadores. Su sueño es seguir invirtiendo en este negocio para tener mas ingresos y ayudar a los hijos.

Le gusta cocinar en familia y bailar en 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
  • 43
    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 $1,200 helped Yolanda Zulema to purchase seeds and compost for planting corn and rice.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 8, 2011
Aug 1, 2011
Currency Exchange Loss:
Feb 15, 2012