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Ruth Gardenia
46 year old Ruth Gardenia G. P. is single, and lives with her children in Ventanas county, los Ríos province. She has 2 children.

The members of the V.R.C. NUEVO HORIZONTE are located in the Cachel and Grande precints of Ventanas county. This group primarily farms fast growing crops such as corn, rice, beans. They have been farming for a long time.

Ruth Gardenia is a farmer who grows corn, rice, and beans. He buys his products from Agro Karlyta and sells his products in the Olivo market.

She seeks a loan to buy agricultural supplies and fertilizers to grow corn, rice and beans. This loan would provide the economic support to meet her needs. Farming challenges include pests, diseases, and weather. Her dream is to be able to buy land and a car.

She likes to cook and enjoys music.
View original language description ↓
Ruth Gardenia G. P. tiene 46 años de edad. Es Soltera, vive con los hijos en el Cantón Ventanas en la Provincia de los Ríos. Tiene 2 hijos.

Los miembros de la V.R.C. NUEVO HORIZONTE se encuentra ubicada En el recinto Cachel y Grande, perteneciente al cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz, arroz, fréjol gandul., esta actividad llevan mucho tiempo haciéndolo.

Ruth Gardenia se dedica a la agricultura a la siembra de maíz, arroz, fréjol gandul. Compra sus productos en el Agro Karlyta y vende su producto en la feria de Ventanas.

Solicita el crédito para la comprar de insumos agrícolas y fertilizantes para el cultivo de maíz, arroz, fréjol gandul. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentan desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es poder comprar un terreno y un carro.

Le gusta el cocinar y la música.

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
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ruth Gardenia agricultural supplies and fertilizers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 14, 2010
Jan 1, 2011
Currency Exchange Loss:
Jun 15, 2011