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Maria Zoila
María is 49 years old, single, and has three children. She and her children live in the home of one of her family members in the city of Guaranda, in the province of Bolivar.

She is a member of the Ventanilla los Pinos communal bank, which is formed of 14 members who are all from the same community. They work in agriculture and live 40 minutes from the Pangua Community office.

María works in agriculture, raising animals and planting potatoes, corn, and raising chickens and pigs. She is requesting the loan to purchase livestock, vaccines, and feed. With the help of the loan, she will be able to purchase what she is currently lacking.

She will make the purchase in the city of Guaranda. Her dream is to get things in order to add on to and improve her home. The challenge that she faces is combating all the problems that she is presented with. In her free time, she likes to go for walks and visit her family members who are far away.
View original language description ↓
María tiene 49 años de edad es soltera tiene tres hijos, vive en casa de unos familiares con los hijos en la ciudad de Guaranda Provincia de Bolívar.

Es integrante de la Ventanilla Los pinos, se encuentra formada por 14 socios que son de la misma comunidad, se dedican a la agricultura queda a 40 minutos de la oficina Comunidad Pangua.

María se dedica a la agricultura y crianza de animales a la siembra de papas, maíz y cría pollos y cerdos. Solicita el crédito para comprar un ganado, vacuna, alimentación. Con la ayuda del crédito podrá comprar lo que le hace falta.

La compra la efectuara en la ciudad de Guaranda. El sueño es realizar arreglos para agrandar y mejorar la casa. Los desafíos a los que se enfrenta es combatir a todos los problemas que se le presenten . En el tiempo libre le gusta ir de paseo, y visitar a los familiares lejanos.

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 $600 helped Maria Zoila purchase livestock, vaccines, and feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 18, 2013
May 19, 2013
Currency Exchange Loss:
May 28, 2014