Update on Oscar ManuelOscar Manues is 42 years old, married, and has three children. He lives with his wife and children, ages 8, 7, and 5, in the canton of Ventanas in the Los Rios province.
VCR San Jose is located in the El Rosario area, belonging to the canton of Ventanas. This area is dedicated to farming short-cycle seeds like corn and rice.
Oscar has farmed for 27 years, planting beans, corn, and cacao. He buys and sells in Ventanas.
He requests the loan to invest in short-cycle seeds like corn and beans, and to buy fertilizers.
His dream is to be able to keep increasing productivity. He has not yet had any problems doing so.
In his free time he likes to work on the property.
With the help of the last loan he was able to invest in farming and has sown corn, rice and beans and is improving his finances.
He is very grateful for the previous loan.
La VRC. SAN JOSE Se encuentra ubicada en el Recinto El Rosario, perteneciente al Cantón Ventanas, esta ventanilla se dedica a Labores Agrícolas de ciclo corto siembra de maíz, arroz.
Oscar se dedica a la Agricultura tiene ya trabajando durante 27 años siembra fréjol, maíz, cacao. Las compras y las ventas lo realiza en Ventanas.
Solicita el crédito para poder invertir en el ciclo corto siembra de maíz, fréjol , comprar abonos, urea, fertilizantes.
El sueño es poder seguir aumentando la productividad. No se le ha presentado ningún tipo de problema.
En los tiempos libres le gusta dedicarse a la finca
Con la ayuda del crédito anterior ha podido invertir en la agricultura ha sembrado maíz,arroz, fréjol y ha mejorado los ingresos económicos.
"Está muy agradeciodo por el crédito anterior.
Previous Loan DetailsOscar Manuel is 41 years old, married, and lives with his wife and three children in the canton of Ventanas in Los Ríos Province. The members of the San Jose Communal Bank meet in the neighborhood of El Rosario, which is part of the canton of Ventanas. This Communal Bank consists of short-cy... More from Oscar Manuel's previous loan »
About Cooperativa San JoseThis 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!
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid