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Cecilia Gladys

Update on Cecilia Gladys

Cecilia, 54, is in a common law relationship and has three children. She lives with her husband and children who are 35, 32 and 24 years of age in Ventanas Canton, Los Ríos Province. She’s a member of the “Las Palmas” communal bank located in Recinto Campo Alegre belonging to Bab Canton; they work in agriculture.

Cecilia has been growing corn and rice for 20 years. Her purchases and her sales take place in Ventanas. She’s asking for the loan to continue working in agriculture and to buy manure. With help from the loan she will buy supplies in time. She’s had no type of problem and enjoys visiting relatives in her free time.
View original language description ↓
Cecilia tiene 54 años de edad vive en unión libre tiene 3 hijos, vive con el esposo y con los hijos de 35, 32 y 24 años de edad en el Cantón Ventanas provincia de los ríos.

Es integrante de la VRC LAS PALMAS, se encuentra ubicada en el Recinto campo Alegre, Pertenece al Cantón Bab se dedican a labores Agrícolas.

Cecilia se dedica a la Agricultura a la siembra de maíz, arroz hace 20 años.
Las compras y las ventas lo realiza en ventanas. Solicita el crédito para seguir trabajando en la siembra y compra de abonos agrícolas.

Con la ayuda del préstamo podrá comprar los insumos a tiempo.
No se le ha presentado ningún tipo de problema. En el tiempo libre le gusta ir de visita donde los familiares.

Previous Loan Details

Cecilia Gladys, 53, lives in a common law relationship and has three children. She lives with her husband and children who are 35, 32 and 24 years old in Ventanas Canton, Los Ríos Province. She is a member of the “Las Palmas” communal bank located in Recinto Campo Alegre belonging to Bab Ca... More from Cecilia Gladys's previous loan »

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!

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.

About Ecuador

  • $10,200
    Average annual income
  • 75
    View loans »
    Ecuador Loans Fundraising
  • $23,920,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Cecilia Gladys to continue working in farming and to buy manure.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jul 25, 2012
Listed
Aug 31, 2012
Currency Exchange Loss:
N/A
Ended:
Feb 15, 2013