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Ruth Gardenia

Update on Ruth Gardenia

Ruth Gardenia is 31 years old and single. She does not have children and lives with her parents in Pueblo Viejo canton in Los Rios province.

She belongs to the Anchoveta Communal Bank, which is located in Puerto Pechiche parish in Anchoveta precinct, part of Puebo Viejo canton. She is a farmer.

Ruth Gardenia cultivates corn and rice and makes her purchases and sales in Ventanas.

She is requesting a loan to buy seeds, urea, insecticides, fertilizers and compost for sowing. The loan has helped her sow her crops and make a profit. Her dream is to continue working in agriculture.

She has confronted challenges such as bad weather and pest infestations of her crops. In her spare time she enjoys raising animals.
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 Gardenia se dedica a la agricultura a la siembra de maiz, arroz las compras y las ventas lo hace en ventanas.

El credito solicita para la compra de semillas, urea, insecticidas, fertilizantres, y abonos para la siembras. El credito le ayudado para la siembra y para obtener utilidades. El sueño es seguir trabajando en la agricultura.

Ha enfrentado desafios como el mal clima y las plgas en los sembrios. En los tiempos libres le gusta criar animales.

Previous Loan Details

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... More from Ruth Gardenia'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
  • 84
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Ruth Gardenia to purchase seeds, urea, insecticides, fertilizers and compost for sowing.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 11, 2012
Jan 1, 2013
Currency Exchange Loss:
Jul 19, 2013