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Gladys Estela
Gladys Estela C. A. L. is 25 years old, single, and does not have any children. She lives in the town of San Francisco de Rumí, which is 1½ hours from San Miguel Canton in the Province of Bolivar.

Gladys is a member of the Communal Bank “San Francisco de Rumí Pamba”. The group consists of 25 members, most of whom are engaged in agriculture. Gladys is a farmer and helps support her family financially. Among the crops grown in the area are corn, potatoes, peas, and beans. She sells her products in San Pablo Parish and San Miguel Canton.

Gladys is requesting a loan to buy fertilizers for her crops. Her goal is to improve production so that she can generate more revenue. The challenges that Gladys confronts are the changes in weather than can negatively impact her crops. In her free time, Gladys says she enjoys listening to music and helping with the household chores.

View original language description ↓
Gladys Estela C. A. L. tiene 25 años, es soltera, no tiene hijos, Viven en el recinto San Francisco de Rumí pamba a una hora y media del Cantón San Miguel Provincia de Bolívar.
El socio es un miembro de la ventanilla rural “San Francisco de Rumí pamba”. La misma que esta conformada por 25 socios en total, los cuales la mayoría se dedican a la agricultura.
Gladys trabaja en la agricultura y ayuda en el hogar a su familia. Dentro de los cultivos que más sobresalen en la zona son el maíz, papas, arbeja, fréjol. Vende los productos en la Parroquia de San Pablo y en el Cantón San Miguel.
Gladys solicita el crédito para comprar fertilizantes para sus cultivos. Su meta es mejorar la producción para tener mayor rendimiento en ganancias económicas. Los desafíos que enfrentan son los cambios climáticos que pueden perjudicar sus sembrios. Gladys manifiesta que en sus tiempos libres le gusta escuchar música y ayudar en los quehaceres del hogar.

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
  • 87
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Gladys Estela purchase fertilizers for her crops.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Apr 8, 2010
May 8, 2010
Currency Exchange Loss:
Jan 15, 2011