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María Carmela
María is 43 years old, single, and lives with her niece in the neighborhood of El Dorado, which is part of the canton of Guaranda in Bolívar Province. She is a member of the Communal Bank “Los Emprendedores” (The Entrepreneurs), which is located 20 minutes away from the Cooperativa San Jose office that operates in Guaranda. The group includes 10 members who are from the same community. They engage in agriculture.

María is a farmer who also raises sheep. She is requesting a loan in order to buy compost, fertilizers, insecticides, and sheep. Her purchases will be made in Guaranda. María’s goals are to increase her business and build a house of her own. Her challenge is improving in her work.

María likes to go for walks in her free time and she enjoys the custom known as Carnival.
View original language description ↓
María tiene 43 años de edad, de estado civil soltera, vive con su sobrina en el barrio El dorado perteneciente al Cantón Guaranda Provincia de Bolívar.
Es integrante de la ventanilla de los Emprendedores se encuentra ubicada a 20 minutos de la oficina operativa Guaranda, está formada por 10 socios que son de la misma comunidad, y que se dedican a la agricultura.
María se dedica a la agricultura y a la crianza de borregos. Solicita el crédito para la compra de abonos, fertilizantes e insecticidas y borregos. La compra lo realiza en Guaranda. Su meta es incrementar su negocio y construir una casa propia. Su desafío es mejorar su trabajo. En su tiempo libre le gusta salir de paseo y la costumbre que le gusta es el carnaval.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped María Carmela to buy compost, fertilizers, insecticides, and sheep.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 18, 2014
Mar 14, 2014
Currency Exchange Loss:
Mar 21, 2015