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Galuth Ernestina
Galuth Ernestina R. F. is 32 years old. She is single and lives in the parish of Estero Salado in the Ecuadorean canton of Chillanes. She has one son, Wilson, 15.

Galuth is a member of the Fronteras Unidas rural outreach program in Estero Salado, some two hours from the agency office in the town of Chillanes. The group has 19 members. Many of the people in the area make a living from farming.

Galuth is among those whose livelihood depends on farming. She grows cacao. She buys and sells in Matilde Esther.

Galuth is applying for a loan to buy cacao seeds so that she can grow her business. She knows the loan is a chance for her to improve her standard of living and she expects to increase her production and, in turn, her income.

Galuth enjoys farming and local festivals.
View original language description ↓
Galuth Ernestina R. F. tiene 32 años. Es soltera vive en el cantón de Chillanes en el Recinto San Jose Parroquia el Estero Salado. Tiene 1 hijo, Wilson (15).

Galuth es una socia de la ventanilla rural Fronteras Unidas, esta Ubicada a quince minutos de la Parroquia Estero Salado, a dos horas de la agencia en Chillanes, esta ventanilla integran 19 socios, la Comunidad se dedican a la agricultura.

Galuth se dedica a la agricultura, al cultivo cacao. Realiza sus compras cada mes, en Matilde Esther, las ventas las realiza en Matilde Esther.

Solicita el préstamo para la compra de cacao para siembra e incrementar el negocio. Piensa que el crédito es una oportunidad para salir adelante. Su sueño incrementa la producción la tener mayores ingresos. El desafío que enfrentamos es en el tiempo de cosecha, ya que las vías de acceso se dañan por la lluvia.

Le gusta la agricultura y celebrar las fiestas de la localidad.

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
  • 30
    View loans »
    Ecuador Loans Fundraising
  • $26,532,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Galuth Ernestina buy supplies for farming business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 5, 2010
Jul 20, 2010
Currency Exchange Loss:
Aug 15, 2011