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Maria Mercedes
María Mercedes, 49, is married and has a son. She lives with her husband and 16-year-old son in Chillanes Canton, Bolívar Province.

The “La Florida” communal bank has 12 members, both men and women, and is located in Chillanes Canton 5 minutes from the office. María is a grains and flour merchant. Her purchases and her sales take place in San José del Tambo and in Chillanes.

She asks for the loan to buy grains. With help from the loan she will improve her quality of life. Her dream is to see her son complete his schooling and become a professional. The challenge she has faced daily is competition. In her free time she likes to rest and enjoy the Saint Rita festivities. She considers herself to be an honest, united and hardworking person.
View original language description ↓
María Mercedes tiene 49 años de edad es casada tiene un hijo, vive con el esposo y con el hijo de 18 años de edad en el Cantón Chillanes Provincia de Bolívar.
La VRC la florida está conformada por 12 socios y socias esta ubicada en el Cantón Chillanes a 5 minutos de la oficina.
María se dedica al comercio de granos y harinas.
Las compras y las ventas lo realiza en San José del tambo y Chillanes.
Solicita el crédito para comprar mercadería (granos), Con la ayuda del crédito le ayudará a mejorar la calidad de vida.
El sueño es poder verle al hijo que termine los estudios y llegue a ser profesional. Al desafía que se ha enfrentado a diario es la competencia.
En los tiempos libres le gusta descansar y disfrutar de las festividades de Santa Rita se considera una persona honesta, unida, trabajadora.

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
  • 43
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Maria Mercedes to buy grains.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 31, 2011
Nov 17, 2011
Currency Exchange Loss:
Nov 20, 2012