Update on Celia MariaCelia Maria is 36 years old and in a common law marriage. She lives with her companion and thier children. She lives in the Ventanas canton in the provin ce of Los Ríos.
The 14 DE DICIEMBRE communal bank is made up of 15 members of the San José cooperative. It is located in the community of San Vicente de las Lomas, which belongs to the Ventanas canton. They work in agriculture, such as planting corn.
Celia Maria works in farming. She plants corn, gandul beans, and raising animals such as chickens and pigs. She buys materials in Ventanas and sells her products in the market of the same place and in the markets in the surrounding areas.
She is asking for the loan to buy fertilizer, urea, liquid fertilizer, and seeds to plant corn. The loan has helped her to increase her income for her family's benefit. Her dream is to buy more land for her children and have more yields in her crops.
In her free time, she really likes to read the bible.
La ventanilla 14 DE DICIEMBRE esta conformado por 15 socios de la cooperativa San José, se encuentra ubicada en el Recinto San Vicente de las Lomas, perteneciente al Cantón Ventanas se dedican a labores agrícolas como la siembra de maíz.
Celia Maria se dedica a la agricultura a la siembra de maíz, fréjol gandul, además se dedica a la crianza de animales cómo pollos y cerdos. Compra los productos en Ventanas y las vende en el mercado del mismo lugar y en las ferias de los alrededores.
El crédito solicita para la compra de abono, urea, líquidos fertilizantes, semillas para la siembra del maíz. El préstamo le ayudado para aumentar los ingresos para el beneficio de la familia. El sueño es comprar más terrenos para lo hijos y tener una mejor superación para los cultivos.
En los tiempos libres le gusta mucho leeer la biblia.
Previous Loan DetailsCelia Maria is 53 years old, is in a live in relationship, and has three children. She lives in the Ventanas settlement in the Los Ríos province. The group called “14 DE DICIEMBRE” is made up of 15 members from the San José cooperative and is located in “Recinto San Vicente de las Lomas,” part ... More from Celia Maria's previous loan »
About Cooperativa San JoseThis 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.
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Success!! The loan was 100% repaid