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Elvis Omar
Elvis Omar A. A., 33, is single and lives with his parents. He has a child, Ana, 3. He lives in Chillanes canton in Bolívar province.

Elvis is a member of the Rey de Reyes (King of Kings) communal bank located an hour and a half from Chillanes. It has a total of 23 members who are mostly farmers. This is the first loan they have gotten from Cooperative San José.

Elvis is a cacao farmer. He makes his purchases monthly in the same community and sells his products in Bucal canton.

He is asking for funding to invest in his cacao crops. He believes that the loan is an opportunity to get ahead.

His dreams are to have more production and a house of his own for his family.

He faces challenges due to weather changes and that the access roads to his fields are in poor condition.

He enjoys going out for walks, listening to music and family outings
View original language description ↓
Elvis Omar A. A. tiene 33 años. Es soltero vive con sus padres, tiene 1 hijo, Ana (3) vive en el cantón de Chillanes en la provincia de Bolívar.

Elvis es un socio de la ventanilla rural Rey de Reyes, que está ubicada a hora y media de Chillanes. Son 23 socios en total, que en la mayoridad se dedican a la agricultura. Esto es el primer préstamo que ellos sacan con la Cooperativa San José.

Elvis se dedica a la agricultura, tiene sembrado cacao. Realiza sus compras cada mes en la misma comunidad sus productos los vende en el Cantón Bucal.

Solicita el préstamo para invertir en le cultivo de cacao. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños son tener más producción y tener una casa para su familia. Enfrenta desafíos como el cambio del clima, y los caminos para llegar a los terrenos que no están en buen estado.

Le gusta salir a caminar, escuchar música y pasear con la familiar.

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
  • 95
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Elvis Omar to invest in cacao crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 13, 2010
Jul 24, 2010
Currency Exchange Loss:
Aug 15, 2011