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Sabina Natividad
Sabina Natividad is 26 years old and single with two children, ages 2 and 8. She lives with her husband and children in the city of Montalvo in the Los Rios Province.

Members of the communal bank "Three Crosses" make a living cultivating cacao, oranges, and corn. Sabina makes a living planting cacao and corn.

She is asking for this loan for the purchase of liquid weed spray, insecticide, urea, and orange plants. With the help of the loan, she wants to clean the farm.

She buys and sells in the city of Montalvo each week. Her dream is to buy more land and fix the house.

The biggest challenge this woman has faced is a lack of money. In her free time, she likes to make friends and talk with the neighbors.
View original language description ↓
SABINA NATIVIDAD tiene 26 años es soltera, tiene 2 hijos de 2 y 8 años de edad, vive con su esposo e hijos en la ciudad de Montalvo Provincia de lo Ríos.

VRC. Las 3 cruces se dedican al cultivo de cacao, naranja y maíz. Sabina Barahona, se dedica a la siembra de cacao y maíz.

Solicita el crédito para comprar líquido mata maleza, insecticidas, urea, plantas de naranja. de la finca. Con el apoyo del crédito quiere limpiar la finca.

Realiza sus compra y ventas en la ciudad de Montalvo cada semana. El sueño de la señora es comprar mas terreno y hacer la casa.

El desafío al que se enfrenta la señora es falta de dinero. En su tiempo libre le gusta hacer amistades y conversar con los vecinos.

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
  • 38
    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 $600 helped Sabina Natividad to purchase liquid weed spray, insecticide, urea, orange plants.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
May 24, 2012
Jun 24, 2012
Currency Exchange Loss:
Dec 17, 2012