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Jose Francisco
Josè Francisco T. A. is 44 years old, is married and has 5 children. He lives in the Guaranda subdivision in the Bolivar province.

Josè is a member of the solidarity group "Grupo Enmanuel" which is located 45 minutes from the Guaranda subdivision, capital of the Bolivar province. The solidarity group has a total of 17 members and the community revolves around agriculture and livestock. The members are indigenous and all speak Quechua. Josè works in farming to increase his family's income. The crops that do best are corn, wheat, potatoes, blackberries and lima beans. He also raises pigs and sheep.

Josè sells his products at the wholesale market in Guaranda every six months. The principal culture is the carnival that is celebrated in February. Josè enjoys walking.

Josè is requesting this loan to purchase supplies for his work especially fertilizers and manures. His goal is to have a good economic activity for his family. The challenges that he faces are problems with the weather and the diseases that affect his crops.
View original language description ↓
Josè Francisco T. A. tiene 44 años, es casado, y tiene cinco hijos. Vive en el cantón de Guaranda en la provincia de Bolívar.

El socio es miembro de la ventanilla rural Grupo Enmanuel es un recinto que se encuentra a cuarenta y cinco minutos del Cantón Guaranda capital de la Provincia de Bolívar. Son 17 socios en total, es una comunidad Agrícola y Ganadera son indígenas hablan Quechua en su totalidad
Josè trabaja en la agricultura para incrementar la economía de la familia. Los cultivos que más sobresalen son el maíz, trigo papas, mora, habas y también a la cría de chanchos y borregos.

Vende los productos en el mercado mayorista de Guaranda cada seis meses.
La cultura principal es el carnaval que se celebra todos los años en febrero. También, a Josè le gusta caminar.

El socio solicita el crédito para comprar insumos para el trabajo del campo y sobre todo para fertilizantes y abonos. Su meta es tener una buena actividad económica para la familia. Los desafíos que enfrenta son los problemas climáticos y las enfermedades que afectan a los cultivos.

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
  • 57
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Francisco purchase supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Mar 3, 2010
Listed
Mar 14, 2010
Currency Exchange Loss:
N/A
Ended:
Mar 19, 2011