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Marlene Mercedes
Marlene Mercedes, 33, lives in a common-law relationship. She has three children, ages 5, 1, and 3 months. She lives with her partner and the children in the Rancho Grande precinct of Ventanas Canton.

Bendición de Dios Communal Bank is located in the Rancho Grande precinct of the parish of Puerto Pechiche, 45 minutes from our office. It is made up of 11 members.

Marlene Mercedes works in agriculture. She grows corn and cacao. She is requesting the loan to buy cacao plants, corn seed, fertilizer, urea, insecticide, and liquid insecticide to fight the pests.

She makes her purchases and sales weekly in Ventanas. Her dreams are to increase production and buy a plot of land. The challenges she faces are the pests that occur in the crops, such as locusts and budworms.

In her free time she likes to fix up the house and take care of her family.
View original language description ↓
MARLENE MERCEDES, de 33 años de edad, vive en unión libre, tiene 3 hijos de las edades de 5, 1 y 3 meses de edad, vive con el conviviente y los hijos, en el Recinto Rancho Grande, perteneciente al cantón Ventanas.

La VRC Bendición de Dios se encuentra ubicada en el Recinto Rancho Grande de la parroquia Puerto Pechiche a 45 minutos de la oficina, está conformada por 11 socios.

MARLENE MERCEDES se dedica a la agricultura, cultiva maíz y cacao. Solicita el crédito para comprar plantas de cacao, semillas de maíz, fertilizantes, urea, insecticidas,lìquidos para combatir las plagas.

Las compras y las ventas lo hacen en Ventanas de manera semanal. El sueño es incrementar la producción comprar un terreno. Los desafíos a los que se enfrentan son las plagas que se presentan en los cultivos cómo la langosta y el cogollero.

En el tiempo libre le gusta arreglar su casa y cuidar de su familia.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Marlene Mercedes to buy cacao plants, corn seed, fertilizer, urea, insecticide, and liquid insecticide to fight pests.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Mar 14, 2012
Mar 30, 2012
Currency Exchange Loss:
Oct 15, 2012