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Karol Paola
Karol Paola is 19 years old. She is single and lives witth her parents in the Chillanes Canton in the province of Bolívar.

The communal bank of SAN FRANCISCO DE ASIS is located in the Rumipamba District which is part of the Chillanes Canton. The members of this group work in agriculture, mainly in growing corn and raising livestock. Karol works growing corn and beans and raising livestock. She buys and sells her own products every weekend at the market of the Chillanes Canton. She is asking for the loan to buy manure, seeds, agricultural supplies, fertilizers and weedkillers to keep the crops in perfect condition and also buy food for the animals she raises so as to be able to sell them later at a better price.

The loan will help her meet her financial needs and improve the quality of her products and her agricultural activities. She faces challenges such as the drop in prices for the products she sells and also dealing with the middle-men. Her dream is to be able to buy a plot of land so that she can grow a little more produce to get higher profits for the welfare of her family.

She is a very responsible woman, who is humble, calm and punctual with her payments. She enjoys going for walks and visiting other places with her family.
View original language description ↓
Karol Paola tiene 19 años de edad, es soltera vive con los padres en el Cantón Chillanes Provincia de Bolívar.

La V.R.C SAN FRANCISCO DE ASIS, se encuentra ubicada en el Recinto Rumipamba, perteneciente al cantón Chillanes, los miembros de esta ventanilla se dedican a la agricultura, principalmente al cultivo de maíz, fréjol y crianza de animales.
Karol se dedica al cultivo de maíz, fréjol y crianza de animales. Compra y vende sus productos en el mercado del Cantón Chillanes cada fin de semana. Solicita el crédito para compra de abonos, semillas, insumos, fertilizantes, abonos y líquidos para la maleza de los cultivos para mantener los productos en buenas condiciones y compra de comida para los animales que tiene para la crianza para lo posterior venderlos en un mejor precio.

El crédito le servirá de apoyo para suplir sus necesidades económicas y mejorar la calidad del producto y sus actividades agrícolas. Enfrenta desafíos como la caída de precios de los productos que comercializa, así como los intermediarios. Su sueño es poderse comprar un terreno para poder sembrar un poco más para obtener mayores utilidades para el bienestar de la familia.

Es una mujer muy responsable,humilde, tranquila, puntual en los pagos y le gusta salir a pasear y conocer otros lugares en compañia de la familia.

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
  • 37
    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 Karol Paola to buy manure, seeds, agricultural supplies, fertilizers, weedkillers and animal feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 9, 2011
Sep 4, 2011
Currency Exchange Loss:
Sep 20, 2012