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Johana Elizabeth
Johana Elizabeth T. Y. is 24 years old, single, and lives with her parents in San Miguel in the Tangara area, which belongs to the Province of Bolívar. She does not have any children.

The name of this communal bank is “Campesinos Unidos” and it is located in the Tangara area, 15 minutes from the Canton of San Miguel. The members of the communal bank work in farming and in business.

Johana works in farming and has animals such as pigs. She grows corn to increase her family’s income. She buys her products in San Miguel and sells them at the market in the same canton.

She is requesting the loan to purchase farming supplies, fertilizers, seeds, and pigs. The loan will help her family business, as she will produce more and she needs to work to pay off the debt. Her dream is to buy a house.

The challenges she faces are pests and diseases among her crops. She likes to dance, especially during the carnival celebrations.

View original language description ↓
Johana Elizabeth T. Y. , tiene 24 años de edad, es soltera, vive con los padres no tiene hijos, vive en San Miguel en el Recinto Tangara perteneciente a la Provincia de Bolívar.

Esta Ventanillas se llama CAMPECINOS UNIDOS esta ubicada en el recinto Tangara y se encuentra a unos 15 minutos del Cantón San Miguel, los miembros de esta ventanilla se dedican a la agricultura y al comercio.

Johana trabaja en la agricultura y tiene animales como cerdos siembra maiz para aumentar los igresos familiares.
Comprar sus productos en San Miguel y los vende en la Feria del mismo Cantón.

El crédito lo solicita para la comprar de insumos agrícolas fertilizantes, semillas y comprar de cerdos, el crédito apoyado en el negocio familiar ya que produce mas y se tiene que trabajar para pagar la deuda. Su sueño es tener comprar una casa.

Los desafíos que se enfrenta son plagas y enfermedades en los cultivos. Le gusta bailar sobre todo en las fiestas de carnaval.

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
  • 94
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Johana Elizabeth to buy pigs, as well as seeds to plant.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Mar 25, 2011
Mar 29, 2011
Currency Exchange Loss:
Feb 15, 2012