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Josefina Yolanda
Josefina Yolanda D. Muñoz is 54-years-old. She's married and lives with her partner and son. She lives in El Cantón de Ventanas in the province of Los Ríos. She has 3 children.

Josefina is a member of the rural fund La Esperanza, which is located 25 kilometers from Cantón de Ventanas. It's a community that participates primarily in commerce. The group meets each month in the neighborhood of San Vicente.

Josefina sells clothes, shoes, and cosmetics. She purchases her merchandise in Guayaquil and sells it in a shop in her home. She's requesting the credit to buy more merchandise to expand her business. With the support of the loan she'll be able to cover her necessities. Her dream is to open a shop, own her own home, and travel to the United States. She would like to visit her granddaughters.
View original language description ↓
Josefina Yolanda D. Muñoz tiene 54 anos. Es casada vive con el compañero y un hijo, vive en el cantón de Ventanas en la Provincia de Los Ríos. Tiene 3 hijos.

Josefina es una socia de la ventanilla rural La Esperanza, que está ubicada a 25 kilometres del Cantón de Ventanas. Es una comunidad que se dedica al comercio en mayoría este grupo se reúne cada mes en el sector del barrio San Vicente.

Josefina trabaja en el comercio de venta de ropa, zapatos y cosmeticos, realiza las comprar en Guayaquil en las vende en un local de su casa.

Solicita el crédito para la compra de mercadería para ampliar su negocio. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Su sueno es ponerse un local, tener casa propia y viajar el Estados Unidos.
Le gusta viajar a visitar a las nietas.

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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Josefina Yolanda purchase of merchandise to expand her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 27, 2010
Oct 21, 2010
Currency Exchange Loss:
Oct 15, 2011