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Maria Mercedes

Update on Maria Mercedes

María Mercedes, 46, is married and lives with her husband and her two children in Ventanas Canton, Los Ríos Province.

The members of Luchando por una Misma Causa Communal Bank are located in the La Primavera community in Ventanas Canton. This communal bank consists of short-cycle farmers who grow corn and rice.

María Mercedes makes a living in agriculture growing corn, rice, and beans. She makes her purchases and sales in Ventanas.

She's requesting the loan to buy supplies, fertilizer, urea, and insecticide for her crops. With the support of the loan she'll be able to plant corn, beans, and rice.

Her dream is to remodel her house. The challenges she faces are crop infestations. In her free time she likes to do the housework.
View original language description ↓
Maria Mercedes tiene 46 años, Es casada vive con el esposo y con los hijos, en el Cantón Ventanas Provincia de los Ríos. Tiene dos hijos.

Los miembros de la V.R.C. LUCHANDO POR UNA MISMA CAUSA, se encuentra ubicada en el en el Recinto La primavera, perteneciente al Canton Ventans, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz.

Maria Mercedes se dedica a la agricultura a la siembra de maíz, arroz y frejol. Las compras y las ventas hace en Ventanas.

Solicita el crédito para compra de insumos, fertilizantes, urea, insecticidas para los cultivos. Con el apoyo del crédito podrá sembrar maíz, fréjol y arroz. El sueño es remodelar la casa. Los desafios a los que se enfrenta son las plagas la langosta y el orosco. En el tiempo libre le gusta realizar quehaceres domésticos.

Previous Loan Details

Maria Mercedes is 46 years old. She is married and lives with her husband and children in Ventanas Canton, de los Ríos Province. She has two children. The members of the communal bank "Luchando Por Una Misma Causa" (Fighting For the Same Cause) are located in the La Primavera precinct, whic... More from Maria Mercedes'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
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Maria Mercedes to buy supplies, fertilizer, urea, and insecticide.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Nov 15, 2012
Nov 21, 2012
Currency Exchange Loss:
Jul 17, 2013