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Carlos Alberto
H. M. Carlos Alberto is 25 years old. He lives with his common-law wife and has a 3 year-old daughter called Carla. They live in the Nueva Esperanza neighborhood, in the Ventanas district, in the province of los Ríos.

H. is a member of the Nuevo Porvenir (New Future) solidarity group which is in the Nueva Esperanza neighborhood of Ventanas. This group has 10 members who are mostly in the business of buying and selling.

H. works in the banana industry and also sells clothes. He makes his purchases in the city of Guayaquil and sells in the Ventanas district.

He is requesting this loan to expand his clothes business. He believes that the loan will help him provide his family with a better life. His dream is to continue working in order to be successful. The challenge which he faces is the competition from warehouses. In his spare time he likes to play cards and work.
View original language description ↓
H. M. Carlos Alberto tiene 25 años. Vive en unión libre con su señora tiene una hija Carla de 3 años en el cantón de Ventanas en la provincia de los Ríos en la ciudadela Nueva Esperanza.

H. es un socio de la ventanilla rural Nuevo Porvenir, se encuentra en la ciudadela Nueva Esperanza perteneciente al cantón Ventanas, esta ventanilla integran 10 socios, en su gran mayoría se dedican a las actividades de comercio.

H. trabaja en la bananera y también se dedica a la venta de ropa. Realiza sus compras en la ciudad de guayaquil y las ventas en el cantón de Ventanas.

Solicita el préstamo para incrementar su negocio de ropa. Piensa que el crédito le ayudara a dar una mejor vida a su familia. Su sueño es seguir trabajando para ir prosperando en su hogar. El desafió que enfrenta es la competencia de los almacenes.
En sus tiempos libres le gusta jugar naipe y trabajar.

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

  • $10,200
    Average annual income
  • 16
    View loans »
    Ecuador Loans Fundraising
  • $22,607,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Carlos Alberto to expand his clothes business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 12, 2010
Listed
Oct 28, 2010
Currency Exchange Loss:
N/A
Ended:
Nov 15, 2011