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Ruth Gardenia
Ruth Gardenia is 31 years old, she is single and she has no children. She lives with her parents in Pueblo Viejo, a canton of the province of Los Rios.

She is a member of Anchoveta (Anchovy), a Communal Bank located in the parish of Puerto Pechiche in the canton of Pueblo Viejo. She engages in agriculture.

Ruth is a farmer and she plants corn. She buys seeds in the town of Ventanas.

The loan she is requesting will be used to buy seeds, fertilizers and manure to sow corn. The loan has helped her in supporting both her family and her production. Ruth dreams of planting more corn and of buying some land.

She has faced many challenges such has the rain that has caused damages to her harvest. In her free time she likes practicing sport.
View original language description ↓
Ruth Gardenia tiene 31 años es soltera no tiene hijos vive con los padres en el Canton Pueblo Viejo Provincia de LOs Rios.

Ella pertenece a la ventanilla ANCHOVETA se encuentre ubicada en la parroquia Puerto Pechiche recinto Anchoveta pertenece al Canton Pueblo Viejo se dedica a labores agricolas.

Ruth se dedica a la agricultura a la siembra de maiz, las compras las realiza en ventanas y las realiza en la ciudad de ventanas.

El credito solicita para la compra de semillas, fertilizantres, y abonos la sembrar maiz. El credito le ayudado a suplir las necesidades de la familiares y de la produccion. El sueño de Ruth es sembran as y comprar un terreno.

Ha enfrentado desafios como la lluvia que ha dañado la siembra. En los tiempos libres le gusta hacer deporte.

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
  • 57
    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 $600 helped Ruth Gardenia to buy seeds, fertilizers and manure.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
May 16, 2012
May 31, 2012
Currency Exchange Loss:
Dec 15, 2012