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Joaquín N. Q. is 58 years old, married, and lives with his wife and children in the canton of Chillanes in the province of Bolívar. He has three children, all of whom are adults.

The members of the community bank "Jesus del Gran Poder" meet in the community of San Ramón in the canton of Chillanes, 35 minutes from the Chillanes office. The members of this group all work in agriculture.

Joaquín works in agriculture planting corn and a variety of beans. He buys and sells in the market in the Chillanes canton on Sundays.

He is asking for this loan to purchase seeds, manure, and fertilizers so he will have a good quality crop. The support of the loan will help financially meet his needs. He confronts challenges like plagues, sickness, and weather changes. His dream is to improve his home and have a calm life.

He likes to take walks and celebrate the feast of Señor Jesús del Gran Poder.
View original language description ↓
Joaquín N. Q. tiene 58 años. Es casado, vive con la esposa y con los hijos, vive en el cantón de Chillanes en la Provincia de Bolívar. Tiene 3 hijos, todos mayores de edad.

Los miembros de la V.R.C. JESUS DEL GRAN PODER, Comunidad de San Ramón esta ubicada en el cantón Chillanes, a 35 minutos de la Oficina en Chillanes, los miembros de esta ventanilla se dedican exclusivamente a la agricultura.

Joaquín se dedica a la agricultura a la siembra de maíz, chocho y fréjol. Las compras y ventas las realiza en el Cantón Chillanes en la feria de los días Domingos.

Solicita el crédito para la comprar de semillas, abonos y fertilizantes para que la producción sea de calidad. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentan desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es mejorar la vivienda y tener una vida tranquila.

Le gusta salir a pasear y celebrar la fiesta del Señor Jesús del Gran Poder.

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
  • 85
    View loans »
    Ecuador Loans Fundraising
  • $25,054,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Joaquín purchase seeds, manure, and fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 7, 2010
Dec 21, 2010
Currency Exchange Loss:
Jan 17, 2012