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Johanna Elizabeth
Johanna Elizabeth Gavilanes C. is 22 years old. She lives with her parents in Ventanas Canton in Los Rios province. She has a seven-year-old daughter named Katrine.

Johanna is a member of the Nueva Esperanza rural ventanilla (rural loan program) which is located 25 kilometers from Ventanas Canton. Inhabitants of the community make their living as short-cycle workers, planting corn, rice, soybeans, beans, and cacao. There are 14 members in all.

Johanna has been planting corn for two years and also has a small general store. She buys and sells her products in Ventanas Canton each week.

She is requesting this loan to buy supplies (urea fertilizer, herbicides) for corn cultivation. With the loan, she will be able to buy more merchandise for her store and earn more income. Her dream is to become a systems engineer. She says that sometimes there are not enough hours in the day, She enjoys daily visits to the city.
View original language description ↓
Johanna Elizabeth Gavilanes C. tiene 22 anos. Vive con sus papas en el cantón de Ventanas en la Provincia de Los Ríos. Tiene 1 hija, Katerine, de 7 anos.

Johanna es socia de la ventanilla rural Nueva Esperanza, que está ubicada a 25 kilometres del Cantón de Ventanas. Es una comunidad que se dedica a labores de ciclo corto (siembra de maíz, arroz, soya, fréjol, y cacao. Son 14 socios en total.

Johanna se dedica a la siembra de maíz desde 2 anos y tambien tiene una pequena tienda general. Hace las compras y las ventas de sus productos en el Cantón de Ventanas cada semana.

Solicita el crédito para comprar los insumos (urea, herbicidas) para el cultivo de maíz. Con el apoyo del préstamo podría comprar mas cosas para su tienda y obtener mas ingresos económicos. Su sueno es ser ingeniera de sistemas. Dice que a veces no se alcanza el tiempo en la vida.
Le gusta salir todos los días a la ciudad.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Johanna Elizabeth to plant corn.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 16, 2010
Oct 20, 2010
Currency Exchange Loss:
Jan 15, 2011