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Gladys Birmania

Update on Gladys Birmania

Gladys Birmania is 40 years old, married, and has two children. She lives with her husband and son in Ventanas canton in De Los Rios province.

She is a member of the "El Recreo" communal bank, located in the rural settlement of San Vicente Las Lomas, which is part of Ventanas canton. The members of this communal bank farm and raise livestock.

Gladys Birmania grows corn and raises chickens and pigs. She is applying for the loan to buy urea, fertilizers, manure, insecticides, herbicide and animal feed. With the help of the loan she will be able to buy what she needs for farming.

Her dream is to be able to provide for her son's schooling so that he can finish his education, and to buy more land so that she can continue farming. In her free time she likes to sleep, and when she can, dance to rock music.
View original language description ↓
GLADYS BIRMANIA tiene 40 años de edad es casada tiene 2 hijos, vive con el esposo y con el hijo en Ventanas Provincia de los ríos.

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 y a la crianza de pollos y cerdos. Solicita el crédito para comprar urea, fertilizantes, abonos, insecticidas, ranger y alimento para los animales. 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 y comprar mas terreno para seguir sembrando. En el tiempo libre le gusta dormir y cuando puede bailar musica rock.

Previous Loan Details

Gladys 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 agric... More from Gladys Birmania'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

  • $10,600
    Average annual income
  • 89
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Gladys Birmania to buy urea, fertilizers, manure, insecticides, herbicide and animal feed.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Nov 26, 2012
Dec 17, 2012
Currency Exchange Loss:
Jul 19, 2013