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Rosa Natividad
Rosa Natividad is 50 years old. She is married. She lives with her husband and two children who are 20 and 30 years old in the Chillanes canton, in the province of Bolívar.

The SAN JACINTO communal bank is located in the San José del Tambo Parrish and San Jacinto precinct which is in the Chillanes canton. The members of the communal bank are farmers. They primarily farm corn, cocoa, bananas, oranges and raise animals.

Rosa grows corn, cocoa, bananas, oranges and she raises animals. She buys and sells her products in the San José del Tambo market every weekend. She is requesting this loan to purchase fertilizers, seeds, farm consumables, urea and other items for fertilizers to get rid of pests in her crops to keep them healthy. This loan is also to purchase food for the animals she is raising, so she can sell them at a better price.

This loan will serve as support to supplement her economic needs and improve the quality of her products and her farming ventures. She is facing challenges like the decline of prices for the products she sells. Her dream is to be able to buy a house so she can live peacefully with her family.

She is known for being calm, honest, very responsible and punctual with her payments. She likes to go out. She likes parties, especially during Carnival.
View original language description ↓
Rosa Natividad tiene 50 años de edad, es casada vive con el esposo y con sus dos hijos de veinte y dos y treinta años de edad en el Cantón Chillanes Provincia de Bolívar.

La V.R.C SAN JACINTO, se encuentra ubicada en la Parroquia San José del Tambo Recinto San Jacinto Perteneciente al Cantón Chillanes, los miembros de esta ventanilla se dedican a la agricultura, principalmente al cultivo de maíz, cacao, plátano, naranja y crianza de animales.

Rosa se dedica al cultivo de maíz, cacao, plátano, naranja y crianza de animales. Compra y vende sus productos en el mercado de San José del Tambo cada fin de semana.

Solicita el crédito para compra de abonos, semillas, insumos, fertilizantes, urea y otro tipo de abonos y líquidos para evitar la plaga en 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 una casa para poder vivir tranquilos con la familia.

Se caracteriza por ser tranquila, honrada y muy responsable, puntual en los pagos, le gusta salir a pasear y le gustan las fiestas en especial el Carnaval.

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
  • 29
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Rosa Natividad purchase fertilizers, seeds, farm consumables, urea and other items for fertilizers, liquids and food for animals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 11, 2011
Sep 4, 2011
Currency Exchange Loss:
Sep 20, 2012