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Tobías Emiliano
Tobías Emiliano L. V. is 39 years old. He’s single and has no children. He lives in Guranda canton in Bolívar province.

Tobías is a member of the Patrón San Juan communal bank which is located half an hour from Guaranda. It has a total of 16 members most of whom are potato and corn farmers. This is the first loan they have taken out with Cooperativa San José.

Tobías farms potatoes, wheat and corn. He also operates a power saw. He makes his purchases and sales weekly in Guaranda.

He is asking for funds to buy seed, manure and fertilizers for his potato crops. He would also like to expand the family garden (vegetables grown for their own consumption). He feels that this loan will facilitate his buying everything he needs.
His dream is to improve his nutrition

He faces certain challenges because there is no rainfall in summer and water must be gotten from the river but there isn’t any.

He enjoys working and playing indoor football.
View original language description ↓
Tobías Emiliano L. V. tiene 39 años. Es soltero y no tiene hijos. Vive en el cantón de Guaranda en la provincia de Bolívar.

Tobías es un socio de la ventanilla rural Patrón San Juan, que está ubicada a media hora de Guaranda. Son 16 socios en total, que en la mayoridad se dedican a cultivos de papas y maíz. Esto es el primer préstamo que ellos sacan con la Cooperativa San José.

Tobías trabaja en la agricultura, cultivando papas, trigo, y maíz. También trabaja con motosierra. Realiza sus compras y sus ventas cada semana en Guaranda.

Solicita el préstamo para comprar semillas, abonos y fertilizantes para sembrar papas. También quisiera ampliar el huerto familiar (legumbres para consumir). Piensa que este crédito le dará facilidad para comprar lo que necesita. Su sueño es mejorar su alimentación. Enfrenta desafíos porque no hay lluvia en verano y se necesita agua del rió pero no hay.

Le gusta trabajar y jugar indoor fútbol.

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
  • 51
    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 Tobías Emiliano to buy seed, manure and fertilizers for his potato crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 9, 2010
Jul 14, 2010
Currency Exchange Loss:
Aug 15, 2011