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Jose Javier
Jose Javier is 23 years old, single, and has no children. He lives with his mother in Ventanas, which is in Los Ríos Province.

Jose Javier works in a department of statistical studies. He is requesting a loan in order to buy cement, blocks, and rods. With the help of this loan, he will be able to make repairs to his house. These materials will be purchased in Ventanas. His dream is to be able to buy car. His greatest challenge is dealing with the bad weather.

In his free time, Jose Javier enjoys sharing moments with his family and going out for walks.

View original language description ↓
JOSE JAVIER tiene 23 años de edad es soltero no tiene hijos, vive con la madre en Ventanas Provincia de los Ríos.

JOSE JAVIER trabaja en un departamento de estadística. Solicita el dinero para poder comprar cemento, bloque, varillas.

Con la ayuda del crédito podrá realizar los arreglos de la casa. Las compras de los materiales los hará en Ventanas.

El sueño es poder comprarse un carro. El desafío al que se enfrenta es el mal clima.

En el tiempo libre le gusta compartir momentos con la familia, Salir de paseo.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 86
    View loans »
    Ecuador Loans Fundraising
  • $25,054,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Jose Javier to buy cement, blocks, and rods.
Repayment Term
21 months (Additional Information)
Repayment Schedule
Apr 27, 2012
May 17, 2012
Currency Exchange Loss:
Jun 16, 2012