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Janina Graciela
Janina Graciela is 21 years old, single, and lives with her parents in the canton of Ventanas in Los Ríos Province.

The members of the Communal Bank "Jesus Nos Ama" (Jesus Loves Us) meet in the neighborhood of Recinto Los Amarillos, which is part of the canton of Ventanas. This Communal Bank consists of short-cycle farmers who grow corn, rice, and pigeon peas.

Janina is a farmer who grows corn, rice, and pigeon peas. She buys her supplies at Briones Agrochemicals and sells her products at the wholesale market in Ventanas.

The loan she is requesting will be used for planting corn. She will buy composts and supplies for her crops. With the financial assistance provided through this loan, she will be able to acquire needed supplies and improve in her farming activities. The challenges she faces incluD. diseases that could impact her crops, such as “red stripe” (a strain of virus that attacks corn). Her dreams incluD. increasing her production and being able to complete her studies.

Janina enjoys studying.

View original language description ↓
Janina Graciela tiene 21 años edad, es soltera vive con sus padres en el Cantón Ventanas Provincia D. los Ríos.

Los miembros D. la V.R.C JESUS NOS AMA, se encuentra ubicada en el Recinto Los Amarillos, perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas D. ciclo corto como siembra D. maíz, arroz y fréjol Gandul.

Janina se dedica a la agricultura a la siembra D. maíz, arroz y fréjol Gandul. Compra sus productos en Agroquímicos Briones y los venD. en el mercado mayorista D. Ventanas.

Solicita el crédito para sembrar maíz, compra D. abonos e insumos para los cultivos. El crédito le servirá D. apoyo para suplir sus necesidades económicas y mejorar sus actividades agrícolas. Enfrenta desafíos como enfermedades en los cultivos como cinta roja en el maíz. Su sueño es ampliar su producción y poder culminar sus estudios.

Le gusta estudiar.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Janina Graciela to purchase compost and farming supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 13, 2011
Aug 2, 2011
Currency Exchange Loss:
Feb 15, 2012