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Gladys Severa
Gladys Severa M. M. is 35 years old. She lives with her common-law husband in the canton of Ventanas, in Los Ríos province. She has 7 children, ranging from age 9 to 17.

Gladys is a member of the Recinto San Ramón communal bank, which is located in Nuevo San Ramón, 12 kilometers from Ventanas. The group has a total of 20 members, who work in short-cycle agriculture (with harvests after 6 months). This is their first loan with the Cooperative.

Gladys works within the home and also supports her husband in agricultural work, growing corn and rice. They sell their crops in Ventanas every 6 months.

She is requesting the loan to buy seeds and compost to grow corn. She believes that this loan will help her earn money to invest. Her dream is to pay for her children's studies and buy them what they need. She has battled pests and locusts in her crops.

She likes to spend her free time with her children.

She is shown with her husband in the photo.
View original language description ↓
Gladys Severa M. M. tiene 35 años. Vive en unión libre en el cantón de Ventanas, en la provincia de Los Ríos. Tiene 7 niños, de 9 hasta 17 años.

Gladys es una socia de la ventanilla rural Recinto San Ramón, que esta ubicada en Nuevo San Ramón, a 12 Km. de Ventanas. Son 20 socios en total, que están trabajando en la agricultura de corto ciclo (cosecha en 6 meses). Esto es el primer crédito que ellos sacan con la Cooperativa.

Gladys trabaja en la casa, y apoya su esposo en la agricultura, cultivando maíz y arroz. Hacen sus ventas en Ventanas cada 6 meses.

Solicita el préstamo para hacer maíz: comprar semillas y abonos. Piensa que este crédito le ayudara a tener dinero a invertir. Su sueño es dar estudios a sus hijos y comprar lo que necesitan. Enfrenta plaga y langosta en los cultivos.

Le gusta pasar su tempo libre con sus hijos.

En la fotografica esta con su esposo.

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
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Gladys Severa buying seeds and compost to grow corn.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 16, 2010
Aug 1, 2010
Currency Exchange Loss:
Feb 15, 2011