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Sandra Madelaine
Sandra Madelaine, 19, is single and has no children. She lives with her mother and three sisters in Ventanas Canton, Los Ríos Province. She’s a member of the “Cevallos” communal bank that’s located in Recinto San Francisco belonging to San Juan del Pueblo Parish that belongs to Ventanas. They are cocoa bean farmers.

Sandra is a cocoa bean farmer and makes her purchases and her sales in San Juan. She requests the loan to provide maintenance for her cocoa bean crops to be able to sell it at a better price. The loan will be of much help for her to meet her economic needs and to maintain her cocoa beans in good condition. The challenges she faces are pests and illnesses that can affect her crops.

Sandra’s dream is to be able to get ahead with her family. In her free time she enjoys watching television.
View original language description ↓
Sandra Madelaine es soltera tiene 19 años de edad no tiene hijos vive con la mamá y las tres hermanas en el Cantón Ventanas Provincia de los ríos.

Es integrante de la VRC Cevallos, se encuentra ubicada en el Recinto San Francisco, Pertenece a la Parroquia San Juan del Pueblo viejo Perteneciente a Ventanas se dedican a labores agrícolas a la siembra de cacao.

Sandra se dedica a la agricultura a la siembra de cacao las compras y ventas las realizan en San Juan .

Solicita el crédito para poder dar mantenimiento al cultivo de cacao para poder aspirar a venderlo a un precio más conveniente.

El Crédito será de mucha ayuda para suplir necesidades económicas y mantener en buenas condiciones el cacao.

Los desafíos que enfrenta a diario es la competencia, las plagas y las enfermedades que puedan dar al cultivo.

El sueño de Sandra es poder salir adelante con la familia. En los tiempos libres le gusta ver televisión.

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
  • 40
    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 $600 helped Sandra Madelaine to provide maintenance for her cocoa bean crops.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 27, 2011
Oct 13, 2011
Currency Exchange Loss:
Jun 27, 2012