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Irlanda Otilia

Update on Irlanda Otilia

Irlanda is 42 years old, single, and has four children. She lives with them in Ventanas Canton, Los Ríos Province. Irlanda belongs to the VRC San Antonio community bank, whose members make a living in agriculture. They all live in the Aguas Frías district, where they grew up. They mainly work in agriculture and livestock farming.

Irlanda makes a living in agriculture, growing corn, rice and cocoa, and rearing chickens and pigs. She is requesting the loan to buy fertilizer, supplies and compost, and will make her purchases in Ventanas each week.

Her dream is to move forwards with her work. Her main challenge is the competition. In her free time she likes to work.
View original language description ↓

Irlanda tiene 42 años de edad, es soltera, tiene cuatro hijos, vive con sus hijos en el Cantón Ventanas Provincia de Los Ríos.

La descripción de la ventanilla es VRC San Antonio sus miembros se dedican a la agricultura todos viven en el sector del Recinto Aguas Frías prácticamente se han Criado en esa zona. Se dedican a labores agrícolas o pecuarias en su mayoría.

Irlanda se dedica a la agricultura, siembra de maíz y arroz, cacao y cría de pollos y chanchos.

Solicita el crédito para comprar fertilizantes, insumos, abonos.

Con el apoyo del crédito podrá comprar los fertilizantes.

Las compras lo realizan en Ventanas cada semana.

Su sueño es salir adelante con su trabajo. Su desafío es la competencia. En sus tiempos libres le gusta trabajar.

Previous Loan Details

Irlanda Otilia, 40, is single and has three children. She lives with her children in the city of Ventanas, Los Ríos Province. She’s in the “San Antonio” communal bank whose members all live in the Recinto Aguas Frías sector; they have practically been raised in this zone and they work in agricu... More from Irlanda Otilia's previous loan »

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!

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.

About Ecuador

  • $10,600
    Average annual income
  • 29
    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 $800 helped Irlanda Otilia to buy fertilizer, supplies and compost.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 23, 2013
Aug 14, 2013
Currency Exchange Loss:
Aug 17, 2014