Update on Julio MoisesJulio Moises is 22, married, and lives with his wife and children in Guaranda, in Bolívar province.
The Emmanuel communal bank is made up of 12 members, who live in the settlement of San Juan de Llullundongo, which is part of Guaranda canton. San Juan de Llullundongo is located 40 minutes from the branch office.
Julio is a farmer, and grows potatoes, corn, lima beans, and also raises chickens and cattle.
He is applying for the loan to buy chemical and organic fertilizers, and herbicide for weed control. He does his purchasing, and makes his sales in Guaranda weekly, and at harvest time.
His dream is to be able to have his own business selling organic fertilizer. The challenge he faces is competition. In his free time he likes to play soccer and enjoy the days of carnival.
He is thankful for the previous loan, because it has really helped him to succeed for the family's benefit.
La VRC Emmanuel está conformada por 12 socios esta ventanilla queda a 40 minutos de la oficina ubicada en el recinto San Juan de Llullundongo perteneciente a Guaranda.
Julio se dedica a la agricultura a la siembra de papas, maíz, habas, además cría pollos, ganado.
Solicita el crédito para comprar abonos, fertilizantes, abono orgánico, ranger para la maleza. Con la ayuda del crédito podrá salvar los cultivos.
Las compras y las ventas lo hace en Guaranda semanalmente y en tiempo de cosecha.
El sueño es poder tener un negocio propio venta de abono orgánico. Los desafíos a los que se enfrenta es la competencia. En el tiempo libre le gusta jugar futbol y disfrutar de las fechas del carnaval.
"Agradece por el crèdito anterior porque ha sido de mucha ayuda para salir adelante por beneficio de la familia"
Previous Loan DetailsJulio Moises M. M. is 22 years old and married. He lives with his wife and their single children in the Guaranda canton in the Bolívar province. He has five children. The members of the Grupo Enmanuel Community Bank can be found in the San Juan precinct, which is in the Guaranda canton. This… More from Julio Moises'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