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Maria Natividad
María is 30 years old, single, and lives with her family in Guaranda canton, in Bolívar province.

The Mushuc Pakari community bank has 10 members who are all farmers and live 40 minutes away from the office.

María's business is selling vegetables. She grows potatoes, beans and melloco (a native root vegetable). She also raises cows and pigs.

María will use her loan money to buy fertilizers, and vaccines for her livestock. The loan will help her to raise her animals and improve her crops. She makes her purchases in Guaranda canton.

María's dream is to own her own home and to have a large vegetable business. The challenges that she faces are pests that attack her crops. In her free time, she enjoys being with her family.
View original language description ↓
María tiene 30 años de edad estado civil soltera vive con su familia 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.

María se dedica a vender legumbres. Se dedica a la agricultura a la siembra de papas, habas y mellocos. Además se dedica a la crianza de animales como son vacas,cerdos. Utilizara el dinero del crédito para comparar fertilizantes, vacuna para los ganados .
Con el crédito que le otorga la cooperativa podrá utilizarlo para la crianza de animales y mejorar las siembras. Realiza las compras en el cantón Guaranda. El sueño es tener una casa propia y un negocio grande de venta de legumbres. Los desafíos a los que se enfrenta en la vida son las plagas en los cultivos. En el tiempo libre se dedica a 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
  • 30
    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 Maria Natividad to buy fertilizers and animal vaccines.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 13, 2013
Apr 9, 2013
Currency Exchange Loss:
Apr 17, 2014