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Consuelo Janeth
Consuelo Janeth M. M. is 36-years-old. She lives in a common law marriage with her partner and her children. They live in the town of Chillanes in Bolivar Province. She has four children.

The members of the V.R.C Valle Paraiso (Paradise Valley) are located 120 minutes from the Chillanes office in the town of Chillanes. This service point works with short season agricultural activities like cacao growing, which they have been doing for a long time.

Consuelo Janeth works in agriculture growing cacao and has for the past two years. She buys products from Matilde Esther and sells them in the Chillanes fair and in the same store where she makes her purchases.

She is requesting the loan to buy agricultural additives and fertilizers for cacao cultivation. With the support of the loan, it will help her to meet her economic needs. She faces challenges with her plants like pests, disease, and weather variation. Her dream is to buy a car.

She enjoys going for walks.
View original language description ↓
Consuelo Janeth M. M. tiene 36 años. Vive en Unión Libre, vive con la compañera y con los hijos, vive en el cantón de Chillanes en la Provincia de Bolívar. Tiene 4 hijos.

Los miembros de la V.R.C. VALL PARAISO se encuentra ubicada 120 minutos de la Oficina Chillanes, perteneciente al cantón Chillanes, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de cacao, esta actividad llevan mucho tiempo haciéndolo.

Consuelo Janeth se dedica a la agricultura a la siembra de cacao desde hace 2 años. Compra sus productos en Matilde Esther y los vende en la feria de Chillanes y en el mismo recinto.

Solicita el crédito para la comprar de insumos agrícolas y fertilizantes para el cultivo de cacao. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentan desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es comprar un carro.

Le gusta pasear.

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
  • 80
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Consuelo Janeth agricultural additives and fertilizers for cacao cultivation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 11, 2010
Dec 1, 2010
Currency Exchange Loss:
Dec 15, 2011