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Maria Manuela
María, 34, is married and lives with her husband. She has six children. She lives in Guaranda Canton in the province of Bolívar.

María makes a living growing and selling naranjilla. She also raises livestock. She'll use the money from the loan to buy fertilizer, urea, and herbicides.

With the loan from the co-op she'll improve her crop. Her dream is to have better naranjilla harvests.

The challenges she faces are not being able to communicate, not having transportation, the weather, and pests. She spends her free time visiting with neighbors.
View original language description ↓
María tiene 34 años de edad estado civil casada tiene 6 hijos, vive con el esposo y lo hijos en el Cantón Guaranda Provincia de Bolívar.

María Se dedica a la agricultura a la siembra y venta de naranjilla. Además se dedica a la crianza de ganado. Utilizara el dinero del crédito para comprar fertilizantes, insumo, urea, herbicidas.

Con el crédito que le otorga la cooperativa podra mejorar los cultivos. Las compras las realizará en el cantón Guaranda. El sueño es que este nuevo año sea de mejores cosechas de productos de naranjilla.

Los desafíos a los que se enfrentan son no poder comunicarse no tener medio de transporte y el mal clima y las plagas. En el tiempo libre se dedica a pasear por el campo.

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
  • 40
    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 $1,000 helped Maria Manuela to purchase farming inputs such as fertilizers, urea, and herbicides.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 14, 2013
Apr 22, 2013
Currency Exchange Loss:
May 28, 2014