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Maria Del Carmen
María is 57 years old, married and lives with her husband and two children. She lives in the San Miguel canton, Bolívar province.

She is a member of the communal bank San José de las Orquídeas, located in San Pablo, San Miguel canton. Locals work in agriculture and farming.

María works in agriculture. She has been growing corn and raising different animals for a few years. She buys the supplies in San Miguel, in a store called Agripac, and then she sells them at the local marketplace.

She is requesting a loan to buy compost, urea and liquid fertilizers to grow corn and also to buy some animals. The loan has helped her to invest in her business and improve her production and her quality of life. Her dream is to build a house. She likes to spend time with her family and do the household chores.
View original language description ↓
María tiene 57 años de edad estado civil casada vive con el esposo y sus dos hijos, Vive en el Cantón San Miguel Provincia de Bolívar.

Es integrante de la Ventanilla San José de las Orquídeas, se encuentra ubicada en San Pablo, pertenece al cantón San Miguel se dedica a labores agrícolas y pecuarias.

Marìa se dedica a la agricultura a la siembra de maíz y a la cría de animales desde hace algunos años. Compra sus productos en San Miguel en Agripac y las vende en el mercado del mismo lugar.

El crédito solicito para la compra de abono, urea, líquidos fertilizantes para la siembra del maíz y para comprar animales. El préstamo le ayudado a invertir para mejorar la producción de la siembra y mejorar el estilo de vida. Su sueño es construir su casa.
Le gusta reunirse con su familia y arreglar la casa.

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
  • 60
    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 $1,000 helped Maria Del Carmen to buy agricultural supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
At end of term
Jan 31, 2014
Feb 7, 2014
Currency Exchange Loss:
Mar 17, 2015