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Maria Gladys
María Gladys is 20 years old and single. She lives with her parents in Chillanes canton, Bolívar province. She belongs to the communal bank Balacelo, which is made up of ten members. María Gladys makes a living in agriculture, farming corn and beans.

She is requesting a loan to buy the necessary supplies for her plants, like two quintals of manure, one quintal of urea, and liquids to fumigate. With the help from this loan she will be able to increase her crops and have better harvests which will give her a better income. She frequently does her buying and selling of products in Chillanes canton every 15 days.

Her dream is to continue studying and giver her parent a better style and quality of life. She also wants to have good crops so that she can have good harvests, which would greatly improve her income. The challenge she faces is the fear of losing her crops due to bad weather.

In her free time she likes to read, listen to music and the carnaval.
View original language description ↓
María Gladys tiene 20 años de edad es soltera, vive con sus padres en el Cantón Chillanes Provincia Bolívar. Pertenece a la ventanilla rural Balacelo conformado por 10 miembros.
María Gladys se dedica a la agricultura siembra de maíz, frejol.
Solicita el crédito para comprar insumos necesarios para los sembríos como son abono 2qq, urea 1qq, y líquidos para fumigar.
Con la ayuda del crédito puede incrementar sus siembras y obtener buenas cosechas por lo cual tendrá mayores ingresos.
Las compras y las ventas de los productos lo realizan con frecuencia en el Cantón Chillanes cada quince días.
El sueño de ella es poder seguir estudiando y darle a sus padres un mejor estilo –nivel de vida tener buenos sembríos para obtener buenas cosechas por lo cual mejoraría beneficiosamente sus ingresos.
Los desafíos a los que se enfrenta es el temor de perder las cosechas por el mal tiempo.
En el tiempo libre le gusta leer, escuchar música, el carnaval.

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
  • 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 $600 helped Maria Gladys to buy seeds, manure, urea, and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 23, 2012
Apr 26, 2012
Currency Exchange Loss:
Apr 18, 2013