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Yolanda Esmeralda

Update on Yolanda Esmeralda

Yolanda Esmeralda is 49 years old and married. She lives with her spouse and daughter in the Bolívar district of the province of San Miguel.

She is a member of Patrón San Miguel ["Patron Saint Michael"] community bank, which is located in the Paila Loma community of San Miguel, about 40 minutes away from the Chillanes office of Cooperativa San José. Its members work in agriculture and raise animals.

Yolanda is a farmer and grows soft maize, beans, potatoes, peas, and berries. In addition she raises livestock: pigs, sheep, and chickens. She is requesting a loan to buy seeds, fertilizers, chickens, and feed. With the help of these funds, she will be able to buy more animals to increase her earnings.

She buys and sells in San Miguel on Thursday every week. Her dream is to be able to give an education to her children so that they can have professional careers.

In her free time she likes to watch television, walk around town, and enjoy Carnaval parties and festivals for the patron saints Michael and Francis.
View original language description ↓
Yolanda Esmeralda tiene 49 años de edad de estado civil unión vive con el conyugue y la hija en San Miguel Provincia de Bolívar.

Es integrante de la VRC PATRON SAN MIGUEL se encuentra ubicada en la comunidad Paila Loma Cantón San Miguel, a una distancia de 40 minutos a la oficina de la Cooperativa San José Agencia Chillanes, los socios se dedican a la agricultura y crianza de animales.

Yolanda Esmeralda se dedica a la agricultura a la siembra de maíz suave, fréjol, papas, arveja, mora, además se dedica a la cría de ganado, chanchos, borregos, gallinas. Solicita el crédito para comprar semillas, urea, abonos, pollos y balanceado.
Con la ayuda del crédito podrá comprar más animales para aumentar la ganancia.

Las compras y las ventas lo hace en San miguel los días Jueves cada 7 días. El sueño es poder dar el estudio a los hijos para que sean profesionales.

En el tiempo libre le gusta ver televisión, salir al pueblo a pasear, disfrutar de las fiestas del carnaval, fiestas del Patrón San Miguel y San Francisco.

Previous Loan Details

Yolanda Esmeralda is 48 years old, single and lives with her 12 year old daughter in the Chillanes neighborhood, province of Bolívar. The V.R.C. COOPERATIVA Patrón San Miguel Communal Bank is located in the Pailaloma area some 60 minutes from the office in the Chillanes neighborhood. The Bank i... More from Yolanda Esmeralda's previous loan »

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!

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 77
    View loans »
    Ecuador Loans Fundraising
  • $25,604,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Yolanda Esmeralda to buy seeds, fertilizers, chickens, and feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 31, 2012
Jun 28, 2012
Currency Exchange Loss:
Jun 17, 2013