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Iralda Margoth
Iralda, 19, is single, has no children and lives with relatives in the city of Guaranda, province of Bolívar. She is a member of the communal bank "Los Pinos" which is comprised of 14 members of the same agricultural community 40 minutes from the Pangua Community offices.

Iralda works in agriculture and grows potatoes and raises cattle. She is requesting a loan to buy land so she can increase crop production. She will be buy it in the city of Guaranda.

Her goal is to buy a car, but one of the challenges she faces is keeping her work steady. In her free time she likes to relax to compensate for the hard work she puts in every day.
View original language description ↓
Iralda tiene 19 años de edad es soltera no tiene hijos, vive con unos familiares 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.

Iralda se dedica a la agricultura a la siembra de papas y crianza de ganado. Solicita el crédito para comprar un terreno. Con la ayuda del crédito podrá aumentar la tierra para prepararla y sembrar. La compra lo realizará en la ciudad de Guaranda.

El sueño es comprar un carro. Los desafíos a los que se enfrenta es mantener el trabajo. En el tiempo libre le gusta pasar descansando en recompensa del arduo trabajo que día a día se realiza.

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 Iralda Margoth to buy land.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 18, 2013
May 20, 2013
Currency Exchange Loss:
May 28, 2014