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Oscar Ernesto
Oscar Ernesto is 20 years old. He is married and lives with his wife and parents. He lives in the Canton Ventanas Province of Los Rios.

This group is called Narcisa de Jesus. It is located in the San Temistocles Building in the Canton Ventanas zone. This group pertains to agricultural work within the short planting seasons for corn and rice.

Oscar works in agriculture, especially in the planting of corn. It is a family tradition to work in this business. He purchases the seeds locally each month and sells [the produce] in the local market.

He is requesting this loan to purchase seeds and fertilizers. This loan will help him financially to meet his needs in the face of challenges such as plagues, crop diseases, and climate changes. His dream is to purchase a house in the city of Ventanas.

He likes to work and talk to his wife.
View original language description ↓
Oscar Ernesto tiene 20 años, es casado vive con la esposa y con los padres. 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.

Osacar 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 una casa en la ciudad de ventanas.

Le gusta trabajar y conversar con la esposa.

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

  • $10,200
    Average annual income
  • 64
    View loans »
    Ecuador Loans Fundraising
  • $23,510,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Oscar Ernesto to purchase seeds and fertilizers.
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