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Carmen Ester
Carmen, 54, is in a common-law relationship and has eight children. She lives with her husband and the children, who are still single, in the precinct of Desvió de los Amarillos in Ventanas Canton, Los Ríos Province. She belongs to Pequeños Agricultores Communal Bank in the precinct of Desvió de los Amarillos, where people work in agriculture and livestock.

Carmen makes a living in agriculture growing corn and raising barnyard animals such as chickens and pigs. With the loan she'll be able to buy supplies: fertilizer, manure, insecticide to avoid pests and disease, and balanced animal feed.

She makes her purchases in the city of Ventanas.

Her dream is to buy a plot of land to continue planting. She very much likes to celebrate the holiday of the patron saint of the precinct.
View original language description ↓
CARMEN tiene 54 años de edad de estado civil Unión Libre tiene 8 hijos vive con el esposo y con los hijos que aun son solteros en el Recinto Desvió De los Amarillo perteneciente al Cantón Ventanas Provincia de Los Ríos.

Pertenece a la Ventanilla PEQUEÑOS AGRICULTORES se encuentra ubicada el recinto Desvió de los Amarillos, perteneciente al cantón Ventanas se dedica a labores agrícolas y pecuarias.

CARMEN se dedica a la agricultura a la siembra de maíz y la crianza de animales de corral como pollos y cerdos. Con el crédito podrá comprar insumos como: fertilizantes, abonos, insecticidas para evitar las plagas y enfermedades, además alimento para los animales balanceados. Las compras las realiza en la ciudad de Ventanas.

El sueño es comprar un terreno para seguir sembrando, le gusta mucho festejar las fiestas del patrono del recinto.

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
  • 43
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Carmen Ester to buy fertilizer, manure, insecticide, and balanced feed.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Dec 10, 2012
Jan 1, 2013
Currency Exchange Loss:
Aug 19, 2013