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Norma Germania
Norma is 34 years old. She lives in free union with her husband and their children, ages 15, 13, and 9. She lives in Ventanas canton in the province of Los Rios.

The solidarity group is called Asociación Montubios Ventanilla Norte. It is located in the North Ventanilla district, which belongs to the Ventanas canton. It works with agricultural and livestock raising activities.

Norma has worked in agriculture, planting corn and rice, for several years, and she makes fast food. She buys her supplies in the Montenegro store in Ventanas, and she sells her products in the market in the same place.

The loan that she has applied for is to purchase compost and fertilizers to plant corn and rice. The loan will help her to increase her income for the use of her family and to invest. Her dream is to prosper in agriculture and to raise her family.

She likes to work with her family.
View original language description ↓
Norma tiene 34 años de edad estado civil Unión Libre vive con su esposo y con sus hijos, de 15, 13 y 9 años. Vive en el Cantón Ventanas provincia de los Ríos.
La ventanilla se llama ASOCIACIÓN MONTUBIOS VENTANILLA NORTE se encuentra ubicada en el Recinto Ventanilla Norte, perteneciente al cantón ventanas, se dedica a labores agrícolas y pecuarias.
Norma se dedica a la agricultura a la siembra de maíz y arroz desde hace algunos años y realiza comidas rápidas. Compra sus productos en Ventanas en el Comercial Montenegro y las vende en el mercado del mismo lugar.
El crédito solicito para la compra de abono, fertilizantes para la siembra del maíz y arroz. El préstamo le ayudado para aumentar los ingresos para el consumo de la familia y para invertir. Su sueño es prosperar en la agricultura y sacar adelante a su familia.
Le gusta trabajar con su familia.

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 $800 helped Norma Germania to purchase agricultural supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 27, 2013
Dec 23, 2013
Currency Exchange Loss:
Dec 20, 2014