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Flor Clara
Flor Clara is 57 years old, married, and has six children. All of them are married and live outside of Chimbo. Flor lives with her husband and a granddaughter in Chimbo in Bolivar Province.

The Communal Bank named “Sinabamba” is located in the parish of La Magdalena, which is part of the canton of Chimbo and 15 minutes away from the home office. The members engage in farm work, such as growing corn.

Flor Clara grows corn on her own land and partially on rented land. The money from this loan will be invested in the purchase of seeds and fungicides for combatting diseases. This loan will help her continue investing. Flor’s dream is to have good health so that she can continue working with the help of her husband.

In her free time, Flor enjoys going for walks with her granddaughter.

View original language description ↓
Flor Clara tiene 57 años es casada tiene 6 hijos pero todos son casados y viven fuera de Cimbo, vive con el esposo y una nieta. Vive en Chimbo Provincia de Bolivar.

Esta Ventanilla se llama SINABAMBA, se encuentra ubicada en La parroquia La Magdalena que perteneciente al Canton Chimbo a 15 minutos de la Oficina Matriz, esta ventanilla se dedica a labores agricolas como a la siembra de maiz.

Flor Clara se dedida a la siembra de maiz en terrenos propios y una parte arrendados, el dinero del credito lo va a invertir en la compra de semillas, fungicidas para evitar las enfermedades. El credito lo a apoyado para seguir invirtiendo. el sueño de Flor es contar con buena salud para seguir trabajando con la ayuda del esposo.

En los tiempos libres sale de paseo con la nieta.

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
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $26,686,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Flor Clara to buy seeds and fungicides.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Feb 2, 2012
Feb 27, 2012
Currency Exchange Loss:
Feb 15, 2013