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Teresa Margot
Teresa is 61 years old. She is married and has no children. She lives at home with some family members in Chimba, Bolívar Province.

Teresa has a bakery. She is requesting this loan to buy flour, cheese, shortening, and yeast. With the support from this loan, she will be able to buy what is necessary to make bread.

She will make her purchases in the city of Guaranda. The challenge that she faces is competition.

Her dream is to improve her standard of living. In her free time, she likes to walk through the city.
View original language description ↓
TERESA MARGOT tiene 61 años de edad es casada no tiene hijos, vive en casa con unos familiares en Chimbo Provincia de Bolívar.

TERESA MARGOT tiene una panaderia. Solicita el crédito para comprar harina, queso, manteca, levadura. Con la ayuda del crédito podrá comprar lo necesario para la elaboración del pan.

Las compras las realizará en la ciudad de Guaranda. Los desafíos a los que se enfrenta es la competencia.

El sueño es mejorar el nivel de vida. En el tiempo libre le gusta caminar por la ciudad.

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
  • 73
    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 $1,000 helped Teresa Margot to buy flour, cheese, shortening, and yeast.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 11, 2013
Jan 25, 2013
Currency Exchange Loss:
Mar 18, 2013