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Bertha Patricia
Bertha Patricia is 30 years old. She is married and lives with her two husband and two children, ages 8 years and 3 months, in the canton of Ventanas, province of Los Ríos.

The El Niño Divino (the Divine Child) Rural Communal Bank is located in the Estero Lindo precinct, which belongs to the canton of Ventanas. The members are farmers who cultivate short-cycle crops such as corn and rice.

Bertha makes her living in agriculture and cultivates corn and rice. She buys her supplies from AGRIPAC (a company that engages in the import, distribution, and sale of agro-industry inputs in Ecuador) and sells her produce at the Ventanas wholesale market.

She is requesting this loan to plant corn and rice and to buy seeds and fertilizer for the corn and rice. The support of this loan would help her financially to buy the supplies she needs. She faces challenges such as crop pests and the lack of money to pay more workers. Her dream is to have the capital to buy a house and to have financial stability.

She enjoys taking care of her children and talking with her husband.
View original language description ↓
Bertha Patricia tiene 30 años, Es casada vive con el esposo y con dos hijos de 8 años y 3 meses, en el Cantón Ventanas Provincia de los Ríos.

Los miembros de la V.R.C. EL DIVINO NIÑO, se encuentra ubicada en el recinto Estero Lindo, perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto como siembre de maíz y arroz.

Bertha se dedica a la agricultura a la siembra de maíz y arroz. Compra sus productos en Comercial AGRIPAC y los vende en el mercado mayorista de Ventanas.

Solicita el crédito para sembrar maíz y arroz, compra de semillas y abonos de maiz y arroz. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrenta desafíos como plagas en los cultivos y la falta de dinero para pagar a mas trabajadores. Su sueño es tener capital para comprar una casa y estabilidad economica.

Le gusta cuidar a los hijos y conversar con el esposo.

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
  • 71
    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 $1,200 helped Bertha Patricia to buy seeds and fertilizer for corn and rice.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 8, 2011
Aug 1, 2011
Currency Exchange Loss:
Feb 15, 2012