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Luis Alfredo
Luis Alfredo is 24, lives in a common-law relationship and has a daughter. He lives with his wife and his two year-old daughter in Ventanas Canton, Los Ríos Province. He’s a member of the “Cevallos” communal bank that’s located in Recinto San Francisco that is part of San Juan del Pueblo Viejo Parish in Ventanas. They grow cacao.

Luis grows cacao, and carries out his sales and purchases in San Juan. He is applying for the loan to maintain his cacao crop, so that he can hope to sell it at a better price.

The loan will be a big help to him in meeting his financial needs, and maintaining his cacao crop in good condition. The challenges he faces daily are competition, pests and crop diseases. Luis' dream is to be able to buy a house for himself and his family. In his free time he likes to play sports.
View original language description ↓
Luis Alfredo tiene 24 años de edad vive en unión libre tiene una hija, vive con la esposa y con la hija de dos años de edad en el Cantón Ventanas provincia de los Ríos.

Es integrante de la VRC Cevallos, se encuentra ubicada en el Recinto San Francisco, Pertenece a la Parroquia San Juan del Pueblo viejo Perteneciente a Ventanas se dedican a labores agrícolas a la siembra de cacao.

Luis se dedica a la agricultura a la siembra de cacao las compras y ventas las realizan en San Juan. Solicita el crédito para poder dar mantenimiento al cultivo de cacao para poder aspirar a venderlo a un precio más conveniente.

El Crédito será de mucha ayuda para suplir necesidades económicas y mantener en buenas condiciones el cacao. Los desafíos a los que se enfrenta a diario son la competencia, las plagas y las enfermedades que puedan dañar al cultivo.

El sueño de Luis es poder comprarse una casa para poder vivir con la familia, en los tiempos libres le gusta practicar el deporte.

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
  • 67
    View loans »
    Ecuador Loans Fundraising
  • $24,996,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Luis Alfredo to maintain his cacao crop.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 27, 2011
Oct 13, 2011
Currency Exchange Loss:
Apr 15, 2012