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Carmen Sofia
Carmen Sofia is 54 years old and has a common law marriage. She lives with her husband and son in the city of Ventanas in Los Rios province. She is a member of the 30 de Julio Communal Bank, which is located in Zapotal Nuevo precinct, belonging to Ventanas canton. All of the members are farmers.

Carmen Sofia farms rice, beans and corn and is requesting a loan to buy supplies such as fertilizer, compost, Ranger herbicide and insecticides. She will make her purchases and sales in the city of Ventanas every 15 days. With the help of this loan, her business will be able to succeed.

She confronts challenges such as pest infestations in her crops. Her dream is to succeed in life. In her spare time she enjoys going to church.
View original language description ↓
CARMEN SOFIA tiene 54 años de edad de estado civil unión libre tiene un hijo, vive con el esposo y con el hijo en la ciudad de Ventanas provincia de los Ríos.

Es integrante de la vrc 30 de julio, se encuentra ubicada en recinto zapotal nuevo, pertenece al cantón ventanas se dedican a labores agrícolas.

CARMEN SOFIA se dedica a la agricultura a la siembra de arroz, fréjol y maíz. solicita el crédito para comprar insumos, fertilizantes, abonos, ranger, insecticidas.

Las compras y las ventas de los productos las realizará en la ciudad de ventanas cada 15 días. con la ayuda del crédito podrá superar el negocio.

enfrenta desafíos cómo las plagas en los cultivos. el sueño es tener éxito en la vida. en el tiempo libre le gusta ir a la iglesia.

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 $600 helped Carmen Sofia to buy supplies such as fertilizer, compost, Ranger herbicide and insecticides.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 9, 2012
Sep 12, 2012
Currency Exchange Loss:
Mar 17, 2013