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Cruz Maria
Cruz María, age 45, is in a common-law marriage and has three children. She lives with her husband and three children, ages 18, 17, and 4, in Ventanas in the Los Rios province.

She is a member of the “Nuevo Horizonte” (New Horizon) communal bank in the Cachely Grande precinct of the Ventanas canton. This communal bank devotes itself to the agricultural work of growing short cycle corn, rice, and pigeon pea beans.

Cruz María grows corn. She buys and sells her agricultural products in Ventanas.

She is requesting the loan to buy seeds, manure, fertilizers, pesticides, and supplies. With the support of the loan her crops will increase. She faces challenges like pest infestations, diseases, and climate changes.

Her dream is to buy a piece of land. She likes to spend her free time with the animals.
View original language description ↓
Cruz María tiene 45 años de edad vive en unión libre tiene tres hijos, vive con el esposo y con los hijos de 18, 17 y 4 años de edad en Ventanas Provincia de los Ríos.

Es integrante de la VRC NUEVO HORIZONTE, se encuentra ubicada en el Recinto Cachely grande, perteneciente al Cantón Ventanas, esta Ventanilla se dedica a labores Agrícolas de ciclo corto siembra de maíz, arroz, frejol gandul.

Cruz María se dedica a la Agricultura a la siembra de maíz. Las compras y las ventas de los productos agrícolas lo hace en ventanas.

Solicita el crédito para invertir en la agricultura comprando semillas, abonos, fertilizantes, líquido para plagas, insumos. Con el apoyo del crédito aumentará los sembríos.

Enfrenta desafíos como las plagas y enfermedades y la variedad del clima. El sueño es comprarse un terreno.
En el tiempo libre le gusta ver a los animales.

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
  • 60
    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 Cruz Maria to buy seeds, manure, fertilizers, pesticides, and supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 21, 2011
Jan 21, 2012
Currency Exchange Loss:
Jul 27, 2012