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Luis Baltazar Humberto
Luis Baltazar Humberto, 67, is married and lives with his wife and children. They have 4 children who are still minors and live with them in Chillanes in the province of Bolivar.

The lending group San Isidro is made up of 10 members in the canton of Chillanes, 45 minutes from the main office. The members work in agriculture, planing corn, blackberries and beans.

Luis Baltazar is a farmer who plants corn, blackberries and beans and also raises chickens and pigs. He will use the loan to buy urea, fertilizer for his crops, seeds, and balanced feed for the chickens and pigs. He makes his purchases at Comercial Silva and sells the products in the Sunday market in Chillanes.

Luis's dream is to have money to buy a vehicle for work. He has faced challenges with the climate - it is raining a lot and has damaged the crops.

In his free time he likes to rest, and when there are parties he likes to dance.
View original language description ↓
Luis Baltazar Humberto tienen 67 años es casado, vive con la esposa y con los hijos, tiene 4 hijos todos viven con el por que son menores de edad. Vive en Chillanes Provincia de Bolivar.

La ventanilla SAN ISIDRO esta conformada por 10 socios, esta ubicada en el Canton Chillanes a 45 minutos de la oficina esta ventanilla se dedica a la agricultura a la siembra de maiz, mora y frejol.

Luis baltazar se dedica a la agricultura a la siembra de maiz, mora y frejol, ademas a la crianza de pollos y chanchos el credito va utilizar en la compra de urea, fertilizantes para los cultivos, comprar de semillas y comprar balanceado para los pollos y chanchos. Las compras las realiza en Comercial Silva y las vende en la feria de los domingos en Chillanes.

El sueño de Luis es tener dinero para comprar un vehiculo para el trabajo. Ha enfrentado desafios como el clima, esta lloviendo mucho y se han dañado los cultivos.

En los momentos libres le gusta descansar y cuando hay fiestas le gusta salir a bailar.

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

  • $10,200
    Average annual income
  • 43
    View loans »
    Ecuador Loans Fundraising
  • $23,142,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Luis Baltazar Humberto to buy urea, fertilizer for his crops, seeds and balanced feed for chickens and pigs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jan 27, 2012
Listed
Feb 28, 2012
Currency Exchange Loss:
N/A
Ended:
Feb 15, 2013