Update on Edilma MoraimaEdilma is 29 years old. She is a single mother and lives with her parents and son in Chillanes, Bolívar province, in the Santa Rosa de Cerritos community.
Edilma is a member of the San Isidro communal bank in the Santa Rosa de Cerritos community. This communal bank is some forty minutes away from the cooperative's office and its members work in agriculture and raising animals.
Edilma makes a living in agriculture - she grows beans and corn and raises animal, including cattle.
She is applying for a loan for her bean crops and to buy necessary items for her work, such as seeds and manure.
She will make her purchases in the city of Chillanes.
Her dream is to buy land to sow more crops on.
The challenge Edilma faces at the moment is the low prices that products command at the market.
In her free time, Edilma likes to go into town to have a look around and she also likes attending community events.
Edilma es integrante en la ventanilla VRC de San Isidro se encuentra formada en la comunidad de Santa Rosa de Cerritos de una distancia de 40 minutos de la oficina de la cooperativa son personas que se dedican a la agricultura y a la crianza de animales.
Edilma se dedica a la agricultura a la siembra de frejol y de maíz y a la crianza de animales como el ganado.
Solicita el crédito para la siembra de frejol y para comprar lo que es necesario para la agricultura como la semilla y el abono.
La compra lo realiza en la ciudad de Chillanes.
El sueño es comprar terreno para sembrar un poco más.
Los desafíos que se enfrenta es precios bajos de los productos en los mercados.
En el tiempo libre le gusta salir al pueblo a pasear y las fiestas de la comunidad.
Previous Loan DetailsEdilma Moraima, 27, is single and lives with her parents and 8-year-old daughter. She is a single mother. She lives in Chillanes in the province of Bolivar. The group San Isidro is made up of 10 members and is located in the canton of Chillanes, 45 minutes from the office. This group is made u... More from Edilma Moraima's previous loan »
About Cooperativa San JoseThis 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!
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
73View loans »
Success!! The loan was 100% repaid