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Erica Jharly

Update on Erica Jharly

Erica Jharly, 18, is in a common law relationship and has a son. She lives with her spouse and two-year-old son in Ventanas, Los Ríos Province.

She’s a member of the “Nuevo Horizonte” (New Horizon) communal bank located in Recinto Cachely Grande belonging to Ventanas Canton. This communal bank is dedicated to short cycle corn, rice and pigeon pea farming.

Erica Jharly is a corn and pigeon pea farmer. Her purchases and sales of products take place in Ventanas.

She’s asking for the loan to buy seeds, manure, fertilizer, liquids for the infestations and supplies. With support from the loan she’ll be able to plant corn. The challenges she faces are crop insect infestations.

Her dream is to improve her economic situation for her son’s wellbeing. In her free time she likes to spend time with her family.
View original language description ↓
Erica Jharly tiene 18 años de edad de estado civil actual unión libre tiene un hijo, vive con el compañero y el hijo de 2 años de edad en Ventanas provincia de los ríos.

Es integrante de la VRC NUEVO HORIZONTE, se encuentra ubicada en el Recinto Cachely grande, perteneciente al Cantón Ventanas, esta Ventanilla se dedica a labores Agrícolas de ciclo corto siembra de maíz, arroz, frejol gandul.

Erica Jharly se dedica a la Agricultura a la siembra de maíz, fréjol. Las compras y las ventas de los productos lo hace en ventanas.

Solicita el crédito para comprar semillas, abonos, fertilizantes, líquido para plagas, insumos. Con el apoyo del crédito podrá sembrar maíz, Enfrenta desafíos como las plagas de langosta.

El sueño es mejorar la posición económica para el bienestar del hijo. En el tiempo libre le gusta pasar con la familia.

Previous Loan Details

Erica Jharly is 18 years old. She is single and lives with her parents in Ventanas canton, in Los Ríos province. She is a single mother and has a 2 year-old son. The "EL DIVINO NIÑO' community bank is located in Estero Lindo, in Ventanas canton. The members of this bank work in short-cycle ... More from Erica Jharly's previous loan »

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!

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 60
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Erica Jharly to buy farm supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 22, 2011
Jan 21, 2012
Currency Exchange Loss:
Jul 27, 2012