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Gladys Amanda
Gladys Amanda C. G. is 37 years old. She is single and lives with a partner in the canton of Chillanes in the Bolivar province. She has 2 children age 9 and 11.

Gladys is a member of the rural communal bank "El Placer de Ser Amigos," which is located 20 minutes from the San Jose del Tambo parish. There are 15 members in all; the majority of the members cultivate cocoa or have their own small businesses.

Gladys works in agriculture, cultivating cocoa, corn and rice. Some intermediaries come to her community to buy her crops, and she also sells some of her crops in Matilde and in Mata de Cacao. She requests a loan to continue cultivating cocoa, and to buy a water pump because without water one cannot produce cocoa. With the support of this loan, she will be able to better support her children and keep them in school. Her dream is that her children complete their education and that her crops continue to produce so that she can get by.

She does not have much free time because she spends all of her time working on her business and in her home.
View original language description ↓
Gladys Amanda C. G. tiene 37 anos. Es soltera y vive en unión libre en el cantón de Chillanes en la Provincia Bolívar. Tiene 2 hijos de 11 y 9 anos.

Gladys es socia de la ventanilla rural El Placer de Ser Amigos, que está ubicada a 20 minutos de la parroquia San Jose del Tambo. Son 15 socios en total, que en la mayoridad se dedican al cultivo de cacao o tienen sus propios pequeños negocios.

Gladys se dedica a la agricultura. Cultiva cacao, maíz, y arroz. Algunos intermediarios vienen a su comunidad a comprar sus cultivos, y otras tienen que vender en Matilde y Mata de Cacao. Solicita el crédito para seguir sembrando cacao y comprar una bomba de agua porque sin agua no se produce el cacao. Con el apoyo del préstamo podría mantener más a sus niños y dejarles estudiar. Su sueno es que estudien sus hijos, y que sus cultivos sigan produciendo para poder sobrevivir.

No tiene mucho tiempo libre porque pasa todo su tiempo trabajando afuera y en su casa.

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 $500 helped Gladys Amanda to cultivate cocoa, corn and rice.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Sep 21, 2010
Oct 24, 2010
Currency Exchange Loss:
Oct 15, 2011