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Ninoska Teresa
Ninoska is 24 years old and single. She has a 4-year-old child and lives in the canton of Ventanas, in the province of Los Ríos. She is a member of the communal bank San Francisco, which is located in the area of Pantano in the canton of Ventanas. The members make a living through agricultural activities and raising livestock.

Ninoska works in agriculture, growing corn and rice. She is requesting this loan in order to purchase seeds, fertilizer, urea, insecticides, and herbicides. With the help of this loan, she will be able to buy what she needs for work in the fields and to invest in fertilizers.

Ninoska's dream is to have her own home. The challenges she faces are illnesses and bad weather. In her free time, she likes to play sports.
View original language description ↓
Ninoska tiene 24 años de edad es soltera tiene un hijo de 4 años, vive en el Cantón Ventanas Provincia de los Ríos.
Es integrante de la VRC SAN FRANCISCO, se encuentra ubicada en el Recinto Pantano, pertenece al Cantón Ventanas se dedican a labores Agrícolas y Pecuarias.

Ninoska se dedica a la agricultura a la siembra de maíz y arroz. Solicita el crédito para comprar semilla, abono, urea, insecticidas, herbicidas.
Con la ayuda del crédito podrá comprar lo que le hace falta para trabajar en el campo e invertir en los fertilizantes.

El sueño es tener su casa propia. Los desafíos a los que se enfrenta son las enfermedades y el mal clima. En el tiempo libre le gusta hacer deporte.

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
  • 33
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Ninoska Teresa to buy agricultural inputs for growing corn.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 23, 2013
Jan 20, 2014
Currency Exchange Loss:
Jan 22, 2015