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Guicela Mercedes

Update on Guicela Mercedes

Guicela Mercedes is 34 years old and lives with her husband and five children, aged 17, 16, 15, 13 and 6 months.

The members of San José de los Amarillos community bank work in short-cycle agriculture, growing corn, rice and pigeon peas.

Guicela is a farmer who grows corn, rice and pigeon peas.

Guicela is requesting this loan to buy corn and rice seeds. She will buy supplies and fertilizers for her crops. The support of this loan will help her to financially cover her needs. She faces challenges such as pests, plant diseases and changes in the weather. Her dream is to own her own home where she can live peacefully.

In her free time, Guicela enjoys taking part in sports and listening to music.
View original language description ↓
Guicela Mercedes tiene 34 años, tiene 5 hijos de diecisiete, dieciséis, quince, trece, seis meses de edad, vive con conyugue y con los hijos.

Los miembros de la V.R.C. SAN JOSE DE LOS AMARILLOS se dedican a labores agrícolas de ciclo corto siembra de maíz, arroz y fréjol gandul.

Guicela Mercedes se dedica a la agricultura a la siembra de maíz, arroz y fréjol gandúl. sus productos los compra y los vende en Ventanas.

Solicita el crédito para la compra de semillas, sembrar maíz y arroz, compra de insumos y fertilizantes para los cultivos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es tener una casa para poder vivir tranquila.

En los tiempos libres le gusta hacer deporte y escuchar música.

Previous Loan Details

Guicela Mercedes, 34, is living with her spouse and 4 children. The members of the “SAN JOSE DE LOS AMARILLOS” communal bank located in Amarillos which belongs to Ventanas Canton are short cycle corn and rice farmers. Guicela farms corn and rice. She is requesting the loan to plant corn and... More from Guicela Mercedes's previous loan »

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!

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,601,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Guicela Mercedes to buy corn and rice seeds, supplies and fertilizers.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Sep 9, 2011
Sep 28, 2011
Currency Exchange Loss:
Jul 15, 2012