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Jose Francisco
José Francisco is 22 years old, single and has no children. He lives with his parents in Guaranda Province, Bolívar.

The “Emmanuel” communal bank has 12 members and is located 40 minutes from the office located in Recinto San Juan de Llullundongo belonging to Guaranda.

José farms potatoes and corn and also raises cattle and pigs. He asks for the loan to buy cattle, fertilizer, organic manure and bug killing liquids. With help from the loan he will be able to increase business.


His sales and purchases take place weekly in Guaranda. His dream is to be able to buy a car and a house. The challenge he faces is competition. In his free time he likes to play soccer and play ball.
View original language description ↓
José Francisco tiene 22 años de edad es soltero no tiene hijos vive con los padres en guaranda provincia de bolívar.

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.

José se dedica a la agricultura a la siembra de papas, maíz, además se dedica a la cría de ganado, cerdos.
Solicita el crédito para comprar ganado y comprar fertilizantes, abono orgánico, líquidos mata plagas. Con la ayuda del crédito podrá incrementar el negocio.

Las compras y las ventas lo hace en Guaranda semanalmente.
El sueño es poder comprar un vehículo y una casa. Los desafíos a los que se enfrenta es la competencia.

En el tiempo libre le gusta jugar futbol, jugar pelota.

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
  • 15
    View loans »
    Ecuador Loans Fundraising
  • $22,541,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jose Francisco to buy cattle, fertilizer, organic manure and bug killing liquids.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Mar 9, 2012
Listed
Mar 21, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 18, 2013