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Elsa María
Elsa is 30 years old, married and has 3 children aged 6, 10 and 13. She lives with her husband and children in the community of Rumi Loma which belongs to the Guaranda Canton, Bolivar Province. She is a member of the "Reyna del Cisne" communal bank which is located in the community of Rumi Loma, 30 minutes from the Guaranda regional office. It is composed of 10 members who are farmers.

Elsa is a farmer. She works in the cattle business. She is asking for a loan to buy more cattle. Buying is done every 8 days in Guaranda and sales happen in the plaza of Guanujo every week. Her goals are to get ahead with her family and expand her business. Her challenge is the animals getting sick. In her spare time she likes to arrange the house and she really likes carnival.
View original language description ↓
Elsa tiene 30 años de edad, de estado civil casada, tiene 3 hijos de 13,10y 6 años, vive con su esposo y sus hijos en la comunidad de Rumi Loma perteneciente al Cantón Guaranda, Provincia de Bolívar.
Es integrante de la ventanilla Reyna del Cisne , la cual se encuentra ubicada en la comunidad de Rumi loma a 30 minutos de la oficina operativa Guaranda, está conformada por 10 socios, los cuales se dedican a la agricultura.
Elsa es agricultora, se dedica al comercio de ganado. Solicita el crédito para comprar más vacas. La compra la realiza cada 8 días en Guaranda y la venta la realiza en Guanujo en la plaza cada semana. Sus metas son: salir adelante con su familia, e incrementar su negocio. Su desafío son las enfermedades de los animales. En su tiempo libre le gusta arreglar la casa, la costumbre que más 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
  • 25
    View loans »
    Ecuador Loans Fundraising
  • $26,466,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Elsa María to buy more cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 27, 2014
Mar 16, 2014
Currency Exchange Loss:
Mar 21, 2015