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Julio Cesar
Julio Cesar is 31 years old, single, and lives alone in the Chillanes canton in the province of Bolivar.

The communal bank "San Jacinto" is located in the San José del Tambo parish, San Jacinto region, belonging to the Chillanes canton. The members of this bank devote themselves to agriculture, mainly growing corn, cocoa, bananas and oranges, and practicing animal husbandry.

Julio devotes himself to growing corn, cocoa, bananas and oranges, and to animal husbandry. The producer buys his supplies wholesale and sells his products at the Chillanes market.

He is seeking the loan for the purchase of compost, seeds, supplies, fertilizers, urea and other types of fertilizers and liquids to prevent infestations and diseases in the crops and keep the products in good condition, and to buy feed for the animals that he raises in order to sell them later at a better price.

The loan will provide him support in meeting his financial needs and improving the quality of the product and his agricultural activities. He faces challenges such as falling prices for the products he sells, as well as the middlemen. His dream is to be able to buy more hectares of land so he may produce more and make higher profits for the well-being of his family.

He characterizes himself as an easygoing man, honorable and very responsible, prompt with his payments. He likes to go out and enjoys the holidays, especially the Carnival.
View original language description ↓
Julio Cesar tiene 31 años de edad, es soltero vive solo en el Cantón Chillanes Provincia de Bolívar.

La V.R.C SAN JACINTO, se encuentra ubicada en la Parroquia San José del Tambo Recinto San Jacinto Perteneciente al Cantón Chillanes, los miembros de esta ventanilla se dedican a la agricultura, principalmente al cultivo de maíz, cacao, plátano, naranja y crianza de animales.

Julio se dedica al cultivo de maíz, cacao, plátano, naranja y crianza de animales. Compra en mayoria y los vende en Chillanes.

Solicita el crédito para compra de abonos, semillas, insumos, fertilizantes, urea y otro tipo de abonos y líquidos para evitar la plaga en los cultivos para mantener los productos en buenas condiciones y compra de comida para los animales que tiene para la crianza para lo posterior venderlos en un mejor precio.

El crédito le servirá de apoyo para suplir sus necesidades económicas y mejorar la calidad del producto y sus actividades agrícolas. Enfrenta desafíos como la caída de precios de los productos que comercializa, así como los intermediarios. Su sueño es poderse comprar más hectareas de terreno para producir m+as y que las utilidades sean superior para el bienestar de la familia.

Se caracteriza por ser un hombre tranquilo, honrado y muy responsable, puntual en los pagos, le gusta salir a pasear y le gustan las fiestas en especial el Carnaval.

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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $23,912,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Julio Cesar to purchase compost, seeds, supplies, fertilizers, urea and other types of fertilizers and liquids and to buy feed for the animals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Aug 11, 2011
Listed
Sep 6, 2011
Currency Exchange Loss:
N/A
Ended:
Sep 20, 2012