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Zoila Rosa
Zoila Rosa, 29, is a single mother but that hasn't stopped her from working hard to get ahead. She and her 10-year old son live in Guaranda, a town in Boliva province.

Zoila is a member of the Nuevos Horizontes community bank. Her town is about 40 minutes from Santa Martha in Guaranda canton.

Zoila is a farmer. She grows blackberries and raises chickens.

Zoila is applying for a loan that she will use to buy manure, fertilizers, feed, urea, etc. She goes to Guaranda every 15 days where she buys and sells everything she needs. The challenges she faces include weather and insects. Your loan will allow her to continue her business.

Zoila wants to buy more land and more animals. In her spare time, she likes to rest.
View original language description ↓
Zoila Rosa tiene 29 años de edad es madre soltera a pesar de cerlo ha podido salir adelante, tiene un hijo, vive con el hijo de 10 años de edad en Guaranda provincia de Bolívar.

Es integrante de la Vrc Nuevos Horizontes, la comunidad se encuentra a unos 40 minutos en la comunidad santa Martha perteneciente al Cantón Guaranda.

Zoila se dedica a la agricultura a la siembra de mora, además cría pollos para poder venderlos.

Solicita el crédito para poder comprar abonos, fertilizantes, balanceado, urea, abono orgánico. Las compras y las ventas lo hace en Guaranda cada 15 días. Con la ayuda del crédito podrá comprar los insumos y la comida para los pollos.

Los desafíos a los que se enfrenta es el mal clima y las plagas. El sueño es poder comprar tierras y mas animales. En el tiempo libre le gusta descansar.

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 $800 helped Zoila Rosa to buy supplies for her farming business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 27, 2012
Mar 16, 2012
Currency Exchange Loss:
Mar 15, 2013