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Martha Beatriz
Martha, age 30, is a single mother. She lives with her family in the Guaranda canton in the Bolívar province.

The Mushuc Pakari communal bank, which is 40 minutes from the office, is comprised of ten members, and they are farmers.

Martha sells potatoes and cheese. She devotes herself to growing potatoes, beans, oats and to cheese. She also raises animals like cows and pigs.

She will use the loan to buy fertilizers, vaccine for the pigs, and rice bran. The loan that is granted by the cooperative will improve the livestock.

She makes her purchases in the Guaranda canton. Her dream is to have her own house.

The challenges she faces are to be successful with the crops in order to have better income.

She likes to spend her free time with her family.
View original language description ↓
Martha tiene 30 años de edad estado civil madre soltera vive con su familia vive en el Cantón Guaranda Provincia de Bolívar.

La V.R.C Mushuc Pakari está conformada por 10 socios se dedica a la agricultura a 40 minutos de la oficina.

Martha se dedica a vender papas y queso. Se dedica a la agricultura a la siembra de papas, habas, avena y queso. Además se dedica a la crianza de animales como son vacas, cerdos. Utilizara el dinero del crédito para comprar fertilizantes, vacuna apara los cerdos, polvillos.

Con el crédito que le otorga la cooperativa mejorar en la ganadería.

En donde realiza sus compras en el cantón Guaranda. El sueño es tener una casa propia. Los desafíos a los que se enfrenta es superar las siembras para tener mejores ingresos. En el timepo libre le gusta pasar con la familia.

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
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Martha Beatriz to buy fertilizers, vaccine for the pigs, and rice bran.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 13, 2013
Apr 4, 2013
Currency Exchange Loss:
Apr 17, 2014