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Gladys Birmania
Gladys Birmania is 39 years old, married and lives with her husband and 2 children, ages 18 and 11, in the canton Ventanas in the province of Los Ríos.

The members of the communal bank El Recreo live in the canton Ventanas in the rural area of San Vincente de las Lomas. The members work in agriculture growing short cycle crops such as corn, rice, beans and soy. Gladys grows corn and soy in her parent's fields. She makes her purchases in Ventanas and sells in the markets every day, especially in the Sunday markets.

She is requesting a loan to purchase seeds, fertilizers and compost. The loan will help to supply her with the things she needs. The challenges that she faces are competition and weather variations.

Her dream is to continue working in the family business. She likes to listen to music and spend time with her family.
View original language description ↓
Gladys Birmania tiene 39 años, Es casada vive con el esposo y dos hijos de 18 años y de 11 años en el Cantón Ventanas Provincia de los Ríos.

Los miembros de la V.R.C. EL RECREO se encuentra ubicada en el Cantón Ventanas, se encuentra ubicada en el sector del recinto San Vicente de las Lomas, esta ventanilla se dedica a labores agrícolas de ciclo corto de siembra de maíz, arroz, frejol y soya.

Gladys se dedica a la agricultura la siembra de maíz y soya en terrenos de los padres, las compras las realiza en Ventanas y las vende en las ferias de todos los días en especial la de los domingos.

Solicita el crédito para la comprar de semillas, fertilizantes y abonos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos es la competencia y la variación del clima. Su sueño es comprar seguir en el negocio de la familia.

Le gusta escuchar musica y pasar tiempo con la familia.

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
  • 50
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Gladys Birmania purchase seeds, fertilizers and compost.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
May 23, 2011
May 28, 2011
Currency Exchange Loss:
Dec 15, 2011