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Edilma Moraima
Edilma Moraima, 27, is single and lives with her parents and 8-year-old daughter. She is a single mother. She lives in Chillanes in the province of Bolivar.

The group San Isidro is made up of 10 members and is located in the canton of Chillanes, 45 minutes from the office. This group is made up of farmers who plant corn, blackberries and beans.

Edilma Moraima is a farmer who plants corn, blackberries and beans; she also raises cattle. Her loan will be used to buy urea, fertilizer for the crops, seeds and food for the cattle. She makes her purchases in Comercial Silva and sells her products in the Sunday market in Chillanes.

Edilma's dream is to have money for her daughter's education and to help her parents and keep working to have more income. She has faced challenges with the climate - it is raining a lot and has damaged the crops.

In her free time she likes to play with her daughter, and she also enjoys celebrating the Carnival season.
View original language description ↓
Edilma Moraima tienen 27 años es soltera, vive con los padres y con una hija de 8 años ,es madre soltera. Vive en Chillanes Provincia de Bolivar.

La ventanilla SAN ISIDRO esta conformada por 10 socios, esta ubicada en el Canton Chillanes a 45 minutos de la oficina esta ventanilla se dedica a la agricultura a la siembra de maiz, mora y frejol.

Edilma Moraima se dedica a la agricultura a la siembra de maiz, mora y frejol, ademas a la crianza de ganado vacuno el credito va utilizar en la compra de urea, fertilizantes para los cultivos, comprar de semillas y comprar de comida para el ganado. Las compras las realiza en Comercial Silva y las vende en la feria de los domingos en Chillanes.

El sueño de Edilma es tener dinero para dar la educacion a la hija y ayudar a los padres y seguir trabajando para tener mas ingresos. Ha enfrentado desafios como el clima, esta lloviendo mucho y se han dañado los cultivos.

En los momentos libres le gusta jugar con la hija y tambien le gusta festejar el carnaval.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $25,601,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Edilma Moraima to buy fertilizer for the crops, seeds and food for the cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 27, 2012
Feb 28, 2012
Currency Exchange Loss:
Feb 15, 2013