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Norma Gladys
Norma is 59 years old; she is a widow with seven children who lives alone in the Ventanas Canton of the province of Los Rios.

Her communal bank is called San Pedro and it is located in the parish of Guare, which belongs to the canton of Baba. This communal bank deals with farmwork (planting corn and rice).

Norma grows corn and rice in small quantities. She is requesting this money to buy seed, manure, and fertilizers for the soil. With her loan she was able to cover her production expenses, such as transportation and food.

She does her buying in Ventanas at Comercial Lopez.

Her goal is to have more money to buy a car. The challenges she faces are pests, such as armyworms, which damage her crops.

In my free time I like to watch television.
View original language description ↓
Norma tiene 59 años de edad es Viuda tiene 7 hijos vive sola Canton Ventanas Provincia de Los Rios.

La ventanilla se llama SAN PEDRO esta venilla se encuentra ubicada en la Parroquia Guare, perteneciente al Canton BABA, esta ventanilla se dedica a labores agropecuarias (siembra de maiz y arroz).

Norma se dedica a la siembra de maiz y arroz en pocas cantidades. El dinero lo solicita para la compra de semillas, abonos, fertilizantes para el suelo. Con el credito ha podido lograr pagar los gastos de la produccion como el transporte y la alimentacion.

Sus compras las realiza en Ventanas en Comercial Lopez.

Su metas es tener mas dinero para coprar un carro.Los desafios que enfrenta son las enfermedades como cogollera que daña los cultivos.

En los tiempos libres me gusta ver television

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
  • 40
    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 Norma Gladys seed, manure, and fertilizers for the soil.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Dec 13, 2013
Dec 20, 2013
Currency Exchange Loss:
Oct 17, 2014