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Jose Manuel
Jose Manuel is 39 and is a widower with 5 children. He lives in the canton of Ventanas in the Los Rios province.

His communal bank is called "Narcisa de Jesus," and is located in the rural San Temistocles settlement in Ventanas canton. The members of this communal bank work in short-cycle agriculture growing corn and rice.

Jose is a farmer who specializes in growing corn, which is a family tradition. He makes his purchases every month in the canton of Ventanas, and he sells his products in the market in the same locality.

He is requesting a loan to buy seeds, fertilizers and manure. The financial support of this loan will help him to purchase the supplies that he needs. He confronts the challenges of pests, diseases and variations in the weather that affect his crops. His dream is to buy land so that he can continue to farm.

He really enjoys working in the countryside.
View original language description ↓
José Manuel tiene 39 años, es viudo vive con los cinco hijos. Vive en El Cantón Ventanas Provincia de Los Ríos.

Esta Ventanilla se llama NARCISA DE JESUS, se encuentra ubicada en el Recinto San Temistocles, perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz.

José se dedica a la agricultura en especial a la siembra de maíz, es tradición en su familia dedicarse a este negocio. Las comprar las realiza en Ventanas cada mes y las vende en la feria de la misma localidad.

Solicita el crédito para la compra de semillas, fertilizantes y abonos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como plagas y enfermedades en los cultivos y la variación del clima. Su sueño es comprar terrenos para seguir sembrando.

Le gusta mucho trabajar en el campo.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jose Manuel to buy seeds, fertilizers and manure.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 6, 2011
Jun 14, 2011
Currency Exchange Loss:
Jan 15, 2012