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Marcia Maritza
Marcia Maritza is thirty years old, single, and has one child. She lives with her mother, her sister, and her five year old son in the Ventanas canton in the Los Ríos province.

The members of the Primero de mayo Communal Bank, located in the Primero de mayo neighborhood of the Ventanas canton in the Los Ríos province, are devoted to commercial enterprises.

Marcia has been selling jewelry for the past year. She purchases jewelry in Guayaquil and distributes it in the Ventanas canton. She is requesting the loan to purchase merchandise and increase and improve her revenue.

Her dream is to have and to run her own business as a majority partner. The daily challenges she faces are her competition. In her free time, she likes to take walks with her son or visit with her family.
View original language description ↓
Marcia Maritza tiene 30 años de edad es soltera tiene un hijo vive con la mamá, hermana y con el hijo de cinco años en el Cantón Ventanas Provincia de los Ríos.

La VRC 1º de mayo, se encuentra ubicada en la cdla 1º de mayo, perteneciente al Cantón Ventanas Provincia de los Ríos se dedican a labores comerciales.

Marcia vende joyas de belleza desde hace un año atraz.Las compras de las joyas las hace en Guayaquil y su distribución es en el Cantón Ventanas.El crédito lo solicita para comprar mercaderia y aumentar, mejorar los ingresos económicos.

El sueño es tener y administrar un negocio que sea propio como socia mayoritaria.Los desafios al que se enfrenta a diario es la competencia.
En los momentos libres le gusta pasear con el hijo o visitar a 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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Marcia Maritza to purchase merchandise and increase revenue.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 7, 2011
Sep 22, 2011
Currency Exchange Loss:
Oct 15, 2012