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Beatriz Del Carmen
Beatriz del Carmen, 40, is divorced, has four children and lives with them in Montalvo, province of Los Ríos. She sells tropical fruits for a living and also raises animals.

She is requesting a loan to buy fruits, such as pineapple, grapes, papayas, and oranges. The loan will enable her to buy the merchandise. She goes to Guayaquil every week for her purchases.

Her goal is to have her own business. The challenges she is up against are the high prices of the products.

In her free time she enjoys caring for her animals.
View original language description ↓
BEATRIZ DEL CARMEN tiene 40 años de edad es divorciada tiene 4 hijos, vive con los hijos en Montalvo provincia de los Ríos.
BEATRIZ DEL CARMEN se dedica a la venta de frutas tropicales, además cría animales.

Solicita el crédito para poder comprar frutas cómo piñas, uvas, papayas, naranja. Con la ayuda del crédito podrá comprar la mercadería. Las compras lo hace en Guayaquil cada semana.

el sueño es tenert un negocio propio. Los desafíos a los que se enfrenta es es los altos precios de los productos.

En el tiempo libre le gusta cuidar los animales que tiene.

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 $1,000 helped Beatriz Del Carmen to buy fruits, such as pineapple, grapes, papayas, and oranges.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 13, 2012
May 7, 2012
Currency Exchange Loss:
May 17, 2013