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Jose Vicente
Jose Vicente A. N. is 33 years old. He is single and lives with his son in the Chillanes canton, province of Bolívar. He has 1 son.

The members of the community bank JUNTOS TRABAJADORES AGRICOLAS [Farm Workers Together] are located in the community of Matilde Esther, which belongs to the Chillanes canton. This 9 member bank is dedicated to agricultural work in growing cacao, coffee and oranges.

Jose works in farming cacao, coffee and oranges. He buys his materials in Mata de Cacao at the end of every month and sells his products at the Sunday market in Chillanes.

He is asking for the loan to buy materials for growing cacao, coffee and oranges. The loan will give him financial support to meet his needs. He faces challenges such as pests and disease and weather variation. His dream is to improve his work.

He likes to dance and watch television.
View original language description ↓
Jose Vicente A. N. tiene 33 años, es soltero vive con el hijo en el Cantón Chillanes Provincia de Bolívar. Tiene 1 hijos.

Los miembros de la V.R.C. JUNTOS TRABAJADORES AGRICOLAS se encuentra ubicada en el recinto Matilde Esther pertenece al Cantón Chillanes, esta ventanilla de 9 miembros se dedica a las labores agrícolas de cultivos de cacao, café y naranja.

Jose se dedica a la agricultura a la siembra de cacao, café y naranja. Compra sus productos en Mata de Cacao cada fin de mes y los vende en la feria de los domingos en Chillanes.

Solicita el crédito para la comprar de insumos para los cultivos de cacao, café y naranja. 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 mejorar en el trabajo.

Le gusta bailar y ver la televisión.

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
  • 51
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Vicente to grow cacao, coffee and oranges.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 18, 2011
Mar 12, 2011
Currency Exchange Loss:
Mar 15, 2012