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Victor Manuel
Victor Manuel A. A. is 37 years old. He is single and lives with his two daughters Katerin and Monica. He lives in Ventanas in the province of Los Rios.

Victor is a partner in the Valle Alto rural bank, which is located in Recinto Voluntad de Dios an hour and a half from Ventanas. There are 23 partners in all, most of whom work in agriculture. This will be their second loan with the San Jose Cooperative.

Victor is a farmer, and he grows rice and beans. He makes his purchase every month in the Peña Store in the city of Ventanas; he sells his produce to the same shop.

He is applying for the loan to purchase rice and bean seeds. He believes that the loan is an opportnity to improve his life. HIs dreams are to purchase a car and open a business in Ventanas. His business faces challenges, primarily infestations and plant diseases.

He enjoys playing sports.
View original language description ↓
Victor Manuel A. A., tiene 37 años. Es soltero y vive con los hijos, vive en Ventanas provincia de Los Ríos. Tiene 2 hijos, Katerin y Mónica.

Victor es un socio de la ventanilla rural la “Valle Alto”, que está ubicada en el Recinto Voluntad de Dios a hora y media de Ventanas. Son 23 socios en total, que en la mayoridad se dedican a la agricultura. Esto es el segundo préstamo que ellos realizan en la Cooperativa San José.

Victor se dedica a la agricultura, siembra arroz y fréjol. Realiza sus compras cada mes en comercial Peña, en la ciudad de Ventanas y las vende en la misma localidad.

Solicita el préstamo para invertir en la compra semillas de arroz y fréjol. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños comprar un carro y ponerse un negocio en la ciudad de Ventanas. Enfrenta desafíos como las plagas y enfermedades.

Le gusta hacer deporte.

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
  • 75
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Victor Manuel purchase of rice and bean seeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 20, 2010
Sep 1, 2010
Currency Exchange Loss:
Feb 15, 2011