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Jose Leonardo
Jose Leonardo is 51 and is married with 3 children. He lives with his wife and children in the Guaranda province of Bolívar. He teaches in an elementary school. He is requesting a loan to buy cement, bars, metal sheets, and bricks. With the help of this credit, he will be able to make repairs to his home to be able to live in better conditions because his house is very small. He will buy the materials in Guaranda. His dream is to be able to maintain his job and to give his children an education so they can become professionals. In his free time, he likes to read and make hand-written posters.
View original language description ↓
JOSE LEONARDO tiene 51 años de edad es casado tiene tres hijos, vive con la esposa y con los hijos en Guaranda Provincia de Bolívar.

JOSE LEONARDO da clases en una escuela el es profesor primario.

Solicita el crédito para comprar cemento, barillla, eternit, ladrillo.

Con la ayuda del crédito podrá realizar el arreglo de la vivienda para poder vivir en mejores condiciones porque la casa es muy pequeña.

La compras de los materiales lo har{a en Guaranda. el sueño es poder mantenerce en el trabajo, dar la educación a los hijos para que sean profesionales.

En el tiempo libre le gusta leer y realizar carteles de escritura.

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
  • 102
    View loans »
    Ecuador Loans Fundraising
  • $24,134,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,200 helped Jose Leonardo to buy cement, bars, metal sheets, and bricks.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 20, 2012
May 19, 2012
Currency Exchange Loss:
Jun 18, 2012