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Cecilia Beatriz
Cecilia Beatriz, 35, is single and has a son. She lives with her 15-year-old son in Chillanes Canton, Bolívar Province.

The “San José” communal bank consists of 21 members, both men and women, and is located in San José del Tambo Parish sixty minutes from the office. This communal bank is involved in short cycle corn, banana and cocoa bean farming.

Cecilia is a corn, banana and cocoa bean farmer. Her purchases and her sales take place in San José del Tambo Parish. She asked for the loan to buy seeds and farming supplies like urea, Matamonte [herbicide], fertilizer and weed killer to maintain her crops in good conditions.

The loan will be very helpful because she will be able to improve the quality of the product. The challenges she faces are very frequent: competition and pests. Her dream is that her son completes his schooling. In her free time she enjoys listening to music and being cheerful.
View original language description ↓
Cecilia Beatriz tiene 35 años de edad es soltera tiene un hijo, vive con el hijo de 15 años de edad en el cantón Chillanes provincia de Bolívar.
LA VRC SAN JOSE, está conformada por 21 socios y socias se encuentra ubicada en la parroquia San José del Tambo a 60 minutos de la oficina. Esta Ventanilla se dedica a Labores Agrícolas de ciclo corto Siembra de maíz, plátano, cacao.
Cecilia se dedica a la agricultura a la siembra de maíz, plátano, cacao las compras y las ventas las realiza en la Parroquia San José del Tambo. Solicita el Crédito para comprar semillas, insumos agrícolas como urea, mata monte, fertilizantes, veneno para la maleza para mantener en buenas condiciones los cultivos.
El Crédito será de mucha ayuda porque podrá mejorar la calidad del producto. Los desafíos que se le presenta muy frecuentes son: la competencia y las plagas. El sueño es que el hijo culmine los estudios.
En los tiempos libres le gusta escuchar música y ser alegre.

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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Cecilia Beatriz to buy farming supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 7, 2011
Oct 31, 2011
Currency Exchange Loss:
Nov 20, 2012