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Elsi Maricela
Elsi Maricela is 25, and single. She lives with her mother and 4 year old daughter, in Ventanas canton, De Los Rios province. The members of the "Virgen de Guadalupe" communal bank live in the Ciudadela 10 de noviembre neighborhood of Ventanas canton, and work in commercial activities.

She sells Yanbal and Avon products. She purchases them in Guayaquil, and sells them in Ventanas every 15 days.
She is applying for the loan in order to buy more products, increase her business, and earn more profits. The loan will really help her make profits when she sells products, and to make enough to buy other products.

The challenges that very often arise include competition, which she has learned to handle effectively in order to sell her products.
Her dream is to buy a shop to display her products, and to sell them more easily. In her free time she likes to listen to music.
View original language description ↓
Elsi Maricela tiene 25 años de edad es soltera vive con la mamá y con la hija 4 años de edad en Ventanas Provincia de los ríos.

Los miembros de la VRC Virgen de Guadalupe se encuentra ubicada en la Ciudadela 10 de noviembre, pertenece al Cantón Ventanas se dedica a labores comerciales.

Elsi se dedica a la venta de productos de yanbal, avon las compras las realiza en Guayaquil y las vende en Ventanas cada 15 días, Solicita el crédito para incrementar el negocio, comprar más productos y obtener más utilidades.

El crédito le será de mucha ayuda para poder tener utilidades al momento de vender los productos y reunir lo suficiente para invertir en otro producto, Los desafíos que se le presenta muy frecuentemente es la competencia que la ha sabido manejar eficientemente para poder vender los productos.
El sueño es poder comprarse un local para poder exhibir los productos. Y poder venderlos fácilmente.
En los tiempos libres le gusta escuchar música.

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
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $26,686,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Elsi Maricela to buy more products, and increase her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 1, 2011
Sep 18, 2011
Currency Exchange Loss:
Oct 15, 2012