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Luz Veronica
Luz Verónica is 19 years of age. She is single and has no children. She lives with her parents in the Guaranda province of Bolívar.
She is a member of the VRC PANGUA, which is located in the community of Pangua Chaupiyacu, Parish Guanujo Canton Guaranda. The community is 15 minutes from the Office. The majority of the members of the Pangua group are dedicated to Agriculture and stockbreeding and also to other activities where they obtain greater economic income such as commerce and construction. Luz is dedicated to agriculture and stockbreeding. She buys and sells in Guaranda. She requests the loan to buy animals (hogs, sheep). With the aid of the loan she will be able to change the situation with her studies. Her dream is to be able to travel to another province. The challenges that she faces are with her cultivations for lack of money to buy fertilizers. In her free time she likes to rest and to study or at times to go for a walk with her parents.
View original language description ↓
Luz Verónica tiene 19 años de edad es soltera no tiene hijos, vive con los padres en Guaranda provincia de Bolívar.
Es integrante de la VRC PANGUA, se encuentra ubicado en la comunidad Pangua Chaupiyacu, Parroquia Guanujo Cantón Guaranda, La comunidad está a 15 minutos de la Oficina Los miembros de la Ventanilla Pangua se dedican la mayoría a la Agricultura y ganadería y también a otras actividades donde obtienen mayores ingresos económicos como: el comercio y la construcción.
Luz se dedica a la agricultura y ganadería. Las compras y las ventas lo hace en Guaranda.
Solicita el crédito para comprar animales (cerdos, ovejas). Con la ayuda del préstamo le ayudaría a cambiar la situación en el estudio. El sueño es poder viajar a otra provincia. Los desafíos a los que se enfrenta es en los cultivos por falta de dinero para comprar los fertilizantes.
En el tiempo libre le gusta descansar y estudiar o a veces ir de paseo con los padres.

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
  • 56
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Luz Veronica to buy animals (hogs and sheep).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 17, 2011
Dec 2, 2011
Currency Exchange Loss:
Dec 15, 2012