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Jose Manuel
Jose Manuel, 30, and his wife have 3 children who are 12-, 8- and 1-year(s) old, respectively. They live in Guaranda, a canton in Bolivar province.

Jose is a member of the Nuevos Horizontes community bank. His town is about 40 minutes from Santa Martha in Guaranda.

Jose is a farmer. He grows blackberries and oranges. He also raises cattle and chickens.

Jose is applying for a loan that he will use to buy seeds, fertilizers, animal feed and other supplies. Your loan will allow him to continue operating his business.

Jose wants to buy a vehicle for transporting the products he sells. In his spare time, he likes to play "boly" (volleyball?).
View original language description ↓
Jose Manuel tiene 34 años es casado tiene tres hijos, vive con la esposa y con los hijos de 12, 8 y 1 años de edad en Guaranda provincia de Bolívar.

Es integrante de la Vrc Nuevos Horizontes, la comunidad se encuentra a unos 40 minutos en la comunidad santa Martha perteneciente al Cantón Guaranda.

Jose se dedica a la agricultura a la siembra de mora y naranjilla, vende mora, leche y naranjilla, además cría pollos y ganados.

Solicita el crédito para comprar semillas, abonos, fertilizantes, urea, balanceado. Con la ayuda del crédito podrá comprar los abonos y mejorar la producción.

El sueño es poder comprar un vehículo para transportar los productos para poder venderlos.En el tiempo libre le gusta jugar boly.

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
  • 50
    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 $800 helped Jose Manuel to buy supplies for his farming business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 27, 2012
Mar 16, 2012
Currency Exchange Loss:
Mar 15, 2013