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Juan José
Juan José M. Z. is 20 years old. He lives with his partner, his grandparents and his son. He lives in Ventanas Canton in Los Ríos Province. He has 1 son.

The members of the communal bank V.R.C. Dole 2 make their livings in agricultural work on the DOLE banana hacienda, which is located in the seat of the Canton. All of the members live in Ventanas Canton. The majority of the members have worked for more than a year at the previously mentioned hacienda, and their businesses are connected to bananas. There are approximately 13 members.

Juan has worked weighing bananas for three years. He makes his purchases in the Comisariato (Market) 1 in Ventanas.

He is requesting the loan to start a business out of his home, to adapt his premises to the business and to purchase products for his business. The loan will help him to fulfill his financial needs. His dreams are to improve his house and to reach his business goals.
He likes sports.
View original language description ↓
Juan José M. Z. tiene 20 años, Vive en Unión Libre, vive con los abuelos y la esposa y el hijo, vive en el cantón de Ventanas en la Provincia de Los Ríos. Tiene 1 hijo.

Los miembros de la V.R.C. Dole 2 se dedican a labores agrícolas en la hacienda bananera DOLE, ubicada en la cabecera cantonal, todos los miembros viven en el Cantón Ventanas, la mayoría de los socios trabajan mas de un año en la mencionada hacienda, y sus actividades son relacionadas a la bananera. Son aproximadamente 13 socios.

Juan trabaja en la bananera como pesador de banano, trabaja desde hace tres año, las comprar las realiza en el comisariato 1 en Ventanas.

Solicita el crédito para ponerse un negocio en la casa y adecuar el local y comprar productos para su negocio. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Su sueño es mejorar la vivienda y cumplir la meta del negocio.
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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 53
    View loans »
    Ecuador Loans Fundraising
  • $24,996,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Juan José to start a business out of his home, to adapt his premises to the business and to purchase products for his business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 5, 2010
Nov 15, 2010
Currency Exchange Loss:
Aug 15, 2011