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Clavelina Estherlia
Clavelina Estherlia N. M. is 41 years old. She lives with her husband and children in the Ventanas province in Los Ríos. She has two children, Washington and Johana.

Clavelina is a member of the communal group 'Y', which is located 1 1/2 hours from Ventanas. There are 17 members in total, and the majority work in agriculture. This is the first loan that they are seeking from la Cooperativa San José.

Clavelina works in agriculture, producing cocoa and maize. She makes her purchases in Echeandia each month and sells in the same place, and around the area.

She is seeking a loan to invest in the purchase of cocoa and maize to sow and sell. She thinks that the loan is an opportunity to move forward. Her dreams are to have her own business and increase her earnings. Preventing her from achieving her goals is the lack of money and the plagues and diseases that affect the crops.

Clavelina likes to working in the countryside.
View original language description ↓
Clavelina Estherlia N. M., tiene 41 años. Es casada y vive con el esposo y los hijos, en Ventanas provincia de Los Ríos. Tiene 2 hijos, Washintong y Johana.

Clavelina es una socia de la ventanilla rural la “Y”, que está ubicada a hora y media de Ventanas. Son 17 socios en total, que en la mayoridad se dedican a la agricultura. Esto es el primer préstamo que ellos sacan con la Cooperativa San José.

Clavelina se dedica a la agricultura, siembra cacao y maíz. Realiza sus compras cada mes en Echeandia y vende la misma localidad y los alrededores.

Solicita el préstamo para invertir en la compra de cacao y maíz para sembrar y vender. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños es tener un negocio propio e incrementar los ingresos. Enfrenta desafíos es la falta de dinero y las plagas y enfermedades que afectan los cultivos.

Le gusta trabajar en el campo.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Clavelina Estherlia purchase cocoa and maize to sow and sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 19, 2010
Aug 1, 2010
Currency Exchange Loss:
Aug 15, 2011