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Jose Vicente
Vicente is sixty-five, married, and has four children. He lives in Chillanes, Bolívar Province with his wife and children, aged eighteen, sixteen, fourteen, and ten.

The Tendal communal bank has eleven members, both men and women, and is located forty-five minutes from the cooperative.

Vicente is in agriculture: he grows coffee, cacao, bananas, green plantains, and oranges. He buys and sells in San José del Tambo every month. He's seeking a loan to buy supplies, cacao plants, fertilizers, compost, and liquid weed-killer. The loan will allow him to increase production and make more income for the family.

Vicente's dream is to grow more crops and increase production so he can have a better lifestyle. The challenge he faces is the poor condition of the roads.

In his free time Vicente likes to sleep. He is respectful, responsible, and likes the Carnival festivities.
View original language description ↓
Vicente tiene 65 años de edad es casado tiene 4 hijos, vive con la esposa y con los hijos de 18, 16, 14 y 10 años de edad en Chillanes Provincia de Bolívar.

La VRC TENDAL está conformada por 11 integrantes entre hombres y mujeres se encuentra ubicada a 45 minutos de la cooperativa.

Vicente se dedica a la Agricultura a los sembríos de café, cacao, guineo, plátano verde y naranja.

Las compras y las ventas lo hace en San José del Tambo cada mes. Solicita el crédito para comprar insumos, plantas de cacao, fertilizantes, abonos, líquidos.

Con la ayuda del crédito podrá incrementar la producción y tener mejores ingresos para la familia.

El sueño es aumentar los sembríos y la producción para tener un mejor estilo de vida.Los desafíos a los que se ha enfrentado son las vías en mal estado.

En el tiempo libre le gusta dormir, es respetuoso, responsable y le gustan las fiestas del 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

  • $10,600
    Average annual income
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Jose Vicente to buy supplies, cacao plants, fertilizer, compost, and liquid weed-killer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 20, 2011
Jan 1, 2012
Currency Exchange Loss:
Jan 15, 2013