Update on Luisana Virginia27-year-old Luisana lives with her husband and daughter in Ventanas, Pueblo Viejo canton, los Ríos province.
The 'Unido Somos' community bank is located in El Marañón neighborhood, in Puerto Pechiche parish, in Pueblo Viejo canton. The members of this group work in short-cycle agriculture, growing corn, rice and beans.
Luisana grows corn, rice and beans. She buys her supplies from the Karlita Agricultural Supplies Store and sells her produce in Castillo's Store.
Luisana is requesting this loan so that she can sow corn, rice and beans. She will buy seeds, urea, farming supplies, manure and liquid fertilizers for her crops.
With the support of this loan, Luisana will be able to cover her financial needs. She faces challenges such as pests, diseases and changes in the weather. This loan will make it easier for her to obtain supplies.
Luisana's goal is to buy a plot of land so that she can grow a lot more. In her free time, she enjoys doing her housework and spending time with her children.
Los miembros de la V.R.C. UNIDO SOMOS se encuentra ubicada en el recinto El Marañón por la Parroquia Puerto Pechiche perteneciente al Cantón Pueblo Viejo, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz, arroz y fréjol.
Se dedica a la agricultura a la siembra de maíz y arroz.
Solicita el crédito para sembrar maíz y arroz y comprar semillas, urea, insumos y abonos agrícolas, fertilizantes líquidos para los cultivos.
Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades.
Su sueño es poder comprarse un terreno para sembrar y poder producir mucho más y construir la casa.
En su tiempo libre le gusta dedicarse a los quehaceres domesticos y pasar con los hijos.
Previous Loan DetailsLuisana Virginia is 25 years old and lives with her common-law husband and their four-year-old daughter in the canton of Pueblo Viejo, which is part of Los Ríos Province. The members of the Communal Bank “Unido Somos” (We Are United) meet in the neighborhood of El Marañón in the parish of Pue... More from Luisana Virginia'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
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- At end of term
- Aug 16, 2012
- Sep 10, 2012
- Currency Exchange Loss:
- Sep 19, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.