Update on Luís AlfredoLuis Alfredo is 22 years old. He is single and lives with his mother in the Cantón Chillanes, a subdivision of the province of Bolívar. He belongs to the communal bank Balacelo, which is made up of ten members. Luis Alfredo makes a living in agriculture, raising corn, beans and barley.
He has requested the loan to buy necessary nutrients for his corn, bean and pea crops. These include two quintals of urea, one quintal of manure, and fertilizers. With the help of this loan he will be able to purchase the raw materials that are needed for his harvest. He makes purchases of the necessary products frequently in Cantón Chillanes every 15 days.
His dream is that his daughter will be able to study and that he will increase the production of beans, which will allow him to increase his income.
The challenges he faces are the roads that are in disrepair, the loss of harvests due to poor climate, and health problems.
In his spare time, he likes to play indoor sports and volleyball in his community, and he enjoys listening to Carnival music.
Luis Alfredo se dedica a la agricultura a la siembra de maíz, fréjol y cebada.
Solicita el crédito para comprar insumos necesarios para los sembríos de maíz ,frejol y arveja como son urea 2qq, abono 1qq y fertilizantes.
Con la ayuda del crédito podrá comprar la materia prima necesaria para la cosecha.
Las compras de los productos necesarios las realiza frecuentemente en el Cantón Chillanes cada quince días.
El sueño es que su hija pueda estudiar, aumentar la producción de frejol la cual le permita tener mayores ingresos.
Los desafíos a los que se enfrenta son a las vías en mal estado perdida de las cosechas por el mal clima y problemas de salud.
En el tiempo libre le gusta jugar indor y volly en su comunidad además le gusta escuchar la música del Carnaval.
Previous Loan DetailsLuís Alfredo L. C. is 21 years old, is in a live-in relationship, and has one ten month old son. He lives in the Chillanes hamlet, located in the Bolívar province. The members of the V.R.C. JESUS DEL GRAN PODER, located in the San Ramón community, of Chillanes, are exclusively farmers. Luís… More from Luís Alfredo'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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