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Victor Julio

Update on Victor Julio

Victor Julio is 24 years old, married, and has one child. He lives with his wife and four-year-old son in the canton of Ventanas in Los Ríos Province.

Victor is a member of the October 27th Communal Bank, which is located in the neighborhood of Santa Sofía in the canton of Ventanas. This Communal Bank consists of short cycle farmers who grow corn, rice, and pigeon peas.

Victor is a farmer who grows corn. He buys and sells in Ventanas. His challenges include dealing with pests known as “langosta”, as well as with mice. Victor is requesting a loan to buy farming supplies, urea, compost, and liquid treatments for weeds. With the support of this loan, he will be able to improve his standard of living and his ability to work.

His dream is to buy a house. In his free time, Victor enjoys practicing sports.
View original language description ↓
VICTOR JULIO tiene 24 años de edad de casado tine un hijo, vive con la esposa y con el hijo de 4 años de edad en Ventanas provincia de los ríos.

Es integranbte de la VRC 27 DE OCTUBR, se encuentra ubicada en el recinto Santa Sofía, Perteneciente al Cantón Ventanas, Esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz, arroz, frejol gandul.

Victor se dedica a la agricultura a la siembra de maíz, Las compras y las ventas lo hace en Ventanas. Los desafíos a los que se enfrenta son las plagas como la langosta y el raton.

Solicita el crédito para comprar insumos, urea, abonos, líquidos para la maleza. con la ayuda del crédito podrá mejorar el nivel de vida para poder trabajar.

El sueño es poder comprar una casa. En el tiempo libre le gusta practicar el deporte.

Previous Loan Details

Victor Julio is 23 years old and married. He lives with his wife and children. He lives in the Ventanas Canton in Los Rios Province. His area is called October 27th. It is located in Recinto San Sofia, which belongs to the Ventanas Canton. This area is dedicated to rural agricultural. In the sh... More from Victor Julio's previous loan »

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!

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.

About Ecuador

  • $10,600
    Average annual income
  • 99
    View loans »
    Ecuador Loans Fundraising
  • $25,071,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Victor Julio to buy farming supplies, urea, compost, and liquid treatments for weeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 18, 2012
Feb 6, 2012
Currency Exchange Loss:
Aug 22, 2012