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Norma Janneth
Nancy is 21 years old, married and living with her family in Ventanas, in the Los Ríos province.

She makes a living in agriculture, sowing corn.

Nancy is applying for a loan to buy the supplies she needs for her agricultural work. These supplies are manure, insecticide, fertilisers, urea and fungicides and she will buy them in Ventanas.

Nancy's dream is to buy a plot of land. The challenge Nancy is facing is to work much more. In her spare time she likes to relax.
View original language description ↓
Nancy tiene 21 años de edad es casada vive con sus familiares en Ventanas Provincia de los Ríos

Nancy se dedica a la agricultura a la siembra de maíz.

Solicita el crédito para los insumos que necesita para la agricultura como abono, insecticida, fertilizantes, urea, fungicida. La compra lo realiza en Ventanas.

El sueño es comprar un terreno. El desafío al que se enfrenta es trabajar mucho más. En su tiempo libre le gusta descansar

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
  • 65
    View loans »
    Ecuador Loans Fundraising
  • $24,577,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Norma Janneth to buy manure, insecticide, fertilisers, urea and fungicides.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 25, 2013
Apr 24, 2013
Currency Exchange Loss:
Apr 30, 2014