Update on Gladys BirmaniaGladys Birmania, 40, is married and has two children; she lives with her husband and son in Ventanas, Los Ríos Province.
She’s a member of the “El Recreo” communal bank located in San Vicente Las Lomas belonging to Ventanas Canton. This communal bank is involved in activities related to agriculture and livestock.
Gladys Birmania grows corn. She’s asking for the loan to buy urea, insecticide and Ranger brand herbicide. With help from the loan she will be able to buy what’s needed for farming.
Her dream is to provide schooling for her son so that he will complete his education. In her free time she likes to work.
Es integrante de la VRC EL RECREO, se encuentra ubicada en el sector del recinto San Vicente las lomas, Perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores pecuarias y agrícolas.
GLADYS BIRMANIA se dedica a la siembra de maíz. Solicita el crédito para comprar urea, insecticidas, ranger. Con la ayuda del crédito podrá comprar lo necesario para la agricultura.
El sueño es poder darle los estudios al hijo para que culmine la educación. En el tiempo libre le gusta trabajar.
Previous Loan DetailsGladys 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... More from Gladys Birmania's previous loan »
About Cooperativa San JoseThis 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!
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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