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Maria Esther
María Esther is 42 years old. She is single and lives with her parents and her two children, 15 and 20 respectively, in the town of Chillanes in Bolivar Province.

The Ninth of April Rural Bank is located in the San José del Tambo parish in Chillanes. The members of this rural bank work in agriculture mostly growing corn and cocoa.

María grows corn and cocoa. She buys and sells her products at the market in San José del Tambo.

She is applying for a loan to purchase fertilizers and supplies for her crops. The loan will help her cover her expenses and improve her agricultural activities. She faces many challenges like drops in commodity prices and working with middlemen. Her dream is for her children to complete their studies.

In her free time she listens to music and does housework.
View original language description ↓
María Esther tiene 42 años de edad, es soltera, vive con sus padres e hijos de 15 y 20 años, en el Cantón Chillanes Provincia de Bolívar.

La V.R.C NUEVE DE ABRIL, se encuentra ubicada en la parroquia San José del Tambo, perteneciente al cantón Chillanes, los miembros de esta ventanilla se dedican a la agricultura, principalmente al cultivo de maíz y cacao.

María se dedica al cultivo de maíz y cacao. Compra y vende sus productos en el mercado de San José del Tambo.

Solicita el crédito para compra de abonos e insumos para sus cultivos. El crédito le servirá de apoyo para suplir sus necesidades económicas y mejorar sus actividades agrícolas. Enfrenta desafíos como la caída de precios de los productos que comercializa, así como los intermediarios. Su sueño es que sus hijos culminen sus estudios.

Le gusta escuchar música, y realizar actividades domésticas.

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
  • 35
    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 $600 helped Maria Esther purchase fertilizers and supplies for her crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 25, 2011
Aug 10, 2011
Currency Exchange Loss:
Aug 16, 2012