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José Manuel
José Manuel is a 30-year-old gentleman. He lives with his wife Isama and their two small children (ages 5 and 2) in the rural community of Otavalo in San Rafael.


San Luis de Otavalo, or simply Otavalo, is a town in the Ecuadorian province of Imbabura. It is situated 110 kilometers to the north of the city of Quito. Otavalo is the town that has the largest indigenous population within the Republic of Ecuador. It is also the home of the largest indigenous handicraft market in South America and its products can be found all over the world. Otavalo is also a tourist area that is frequently visited by people from every part of the globe. As a result, the local handicrafts receive plenty of attention from the people who come to visit. In equal fashion, the racial ethnicity of the people who live here has a strong influence over the city as well as abroad.


José has a small strawberry plantation where he and his wife have worked together for seven years. He learned this trade from his predecessors since this type of farming has taken place for thousands of years and is one of the main business activities within the area. José wants to repair his home, so he is requesting a loan from Fundación Alternativa to finish a little more work on his house.


His dream is to someday completely finish his house so that he can provide the greatest comfort for his wife and children. He also wants to work with great effort to provide his children a good education. José did not obtain a formal education for himself, which has been a great obstacle.

View original language description ↓
José Manuel es un hombre de 30 años. Vive con su esposa Isama y sus dos hijos pequeños de 5 y 2 años de edad en "San Rafael" una comunidad rural de "Otavalo".

San Luis de Otavalo o simplemente Otavalo es una localidad de la provincia de Imbabura, en Ecuador; situada a 110 kilómetros al norte de la ciudad de Quito. Otavalo es el municipio de mayoría indígena más rico de la República de Ecuador. Es sede del mercado artesanal indígena más grande de Sudamérica y sus productos pueden encontrarse por todo el mundo, es una zona turística muy visitada por personas de todo el mundo y de esta manera dan a conocer sus artesanías que llaman mucho la atención de quienes la visita, de igual forma prevalece la raza étnica que ellos la constituyeron y se esfuerzan para que prevalezca tanto en la ciudad como en el extranjero.

José tiene una pequeña plantación de frutilla, trabaja junto a su esposa desde hace 7 años. Esta actividad la aprendió de sus antecesores ya que en este sector desde hace miles de años la agricultura es una de las actividades principales. Él quiere arreglar su vivienda por lo que ha solicitado a Fundación Alternativa un crédito el cual le permitirá terminar un poco más su casa.

Su sueño es terminar algún día completamente su casa para darles mayor comodidad a su esposa e hijos; también nos cuenta que trabaja con mucho empreño para poder dar a sus hijos una buena educación ya que para José el no haber tenido educación formal ha sido un gran obstáculo.

Additional Information

About Fundación Alternativa

Fundación Alternativa encourages entrepreneurship and provides sustainable financial and non-financial services that promote social and economic development in Ecuador. The organization focuses on serving poor and excluded populations through analysis of clients' living conditions and by providing business training and other support services in urban, rural and marginalized parts of the country.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,200
    Average annual income
  • 25
    View loans »
    Ecuador Loans Fundraising
  • $22,853,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped José Manuel to make repairs to his home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 19, 2011
Listed
Sep 30, 2011
Currency Exchange Loss:
N/A
Ended:
Nov 15, 2012