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Oswaldo G. B., 54, lives with his wife in Ventanas, a sub-region of the Ecuadorean province of Los Rios. He has 3 children.

The TIERRA NUESTRA community bank is located in San Luis de Zapotal, a town in Ventanas. The bank has 14 members, all of whom operate farming businesses, growing maize and rice among other crops.

Oswaldo grows maize, cacao, soybeans and rice. He buys the supplies that he needs from Ecua-Agro and sells his crops there, too.

Oswaldo is applying for a loan to buy supplies for his next crop: maize and rice seeds, for example. The loan can help him buy the supplies he needs. The challenges that he faces include insects, plant disease and weather. He wants to plant cacao.

Oswaldo likes chatting with his friends.
View original language description ↓
Oswaldo G. B. tiene 54 años, es casado, vive con su esposa en el Cantón Ventanas Provincia de los Ríos. Tiene 3 hijos

Los miembros de la V.R.C. TIERRA NUESTRA se encuentra ubicada en el recinto San Luís de Zapotal pertenece al Cantón Ventanas, esta ventanilla de 14 miembros se dedica a las labores agrícolas en ciclo corto de siembra de maíz, arroz.

Oswaldo se dedica a la agricultura a la siembra de maíz, cacao, soya y arroz. Compra sus productos en Ecua - Agro y vende en el mismo lugar.

Solicita el crédito para sembrar maíz, y arroz, compra de insumos y semillas. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es sembrar cacao

Le gusta conversar con sus amigos

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
  • 46
    View loans »
    Ecuador Loans Fundraising
  • $24,293,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Oswaldo buy supplies for farming business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 23, 2010
Feb 1, 2011
Currency Exchange Loss:
Jul 15, 2011