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Maria Elena
María Elena is 20 years old. She lives in a common-law marriage and has a daughter. She lives with her parents-in-law and her daughter in the city of Ventanas, Los Ríos province. She is a member of the communal bank 16 de Agosto. located in Recinto de Agua de Mocache, which belongs to the Mocache canton. They perform farming and stockbreeding activities.

María Elena raises livestock, and she also sells salchipapa [a mix of sausages and fries]. She is requesting the loan to buy potatoes, onion, oil, mayonnaise, sausages and a gas cylinder. With the loan's help she will be able to buy the things she lacks in order to better serve her customers in her salchipapa stall. She will buy the supplies in the city of Ventanas.

Her dream is to buy a house. The challenge she faces is competition. During her free time, she likes to watch television, play sports and take care of the household chores.
View original language description ↓
MARIA ELENA tiene 20 años de edad de estado civil unión lire tiene una hija, vive con los suegros y la hija en la ciudad de ventanas provincia de los ríos.

Es integrante de la VRC 16 DE AGOSTO, se encuentra ubicada en el Recinto Agua de Mocache, pertenece al Cantón Mocache se dedican a labores agrícolas y pecuarias.

MARIA ELENA se dedica a la crianza de animales, además también vende salchipapas. Solicita el crédito para comprar papas, cebolla, aceite, mayonesa, salchicha, un cilindro de gas.

Con la ayuda del crédito podrá comprar lo que le hace falta para atender a los clientes en la venta de salchipapas. Las compras las hará en la ciudad de Ventanas.

El sueño es comprarse una casa. Los desafíos a los que se enfrenta es la competencia.
En el tiempo libre le gusta ver televisión, hacer deporte y realizar los quehaceres domésticos.

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
  • 24
    View loans »
    Ecuador Loans Fundraising
  • $26,466,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Elena to buy potatoes, onion, oil, mayonnaise, sausages and a gas cylinder.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Sep 27, 2012
Oct 16, 2012
Currency Exchange Loss:
Oct 24, 2013