Update on Freddy GilbertFREDDY GILBERT, 41, is in a common law relationship and has a son. He lives with his wife and son in Ventanas, Bolívar Province. He’s a member of the “El Recreo” communal bank in San Vicente Las Lomas, belonging to Ventanas Canton. This communal bank is involved in activities related to agriculture and livestock.
FREDDY GILBERT is a corn farmer. He’s asking for the loan to buy seeds, insecticides, urea and weed killer. With help from the loan he will be able to buy fertilizer and seeds. He will make his purchases in Ventanas. His dream is to be able to buy a parcel of land. In his free time he likes to play volleyball.
Es integrante de la VRC EL RECREO, se encuentra ubicada en el sector del recinto San Vicente las lomas, Perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores pecuarias y agrícolas.
FREDDY GILBERT se dedica a la agricultura a la siembra de maíz suave. Solicita el crédito para comprar semillas, urea, insecticidas, líquidos para la maleza.
Con la ayuda del crédito podrá comprar los fertilizantes y la semilla. Las compras lo hará en Ventanas.
El sueño es poder comprar un terreno. En el tiempo libre le gusta jugar boly.
Previous Loan DetailsFreddy Gilbert is 40 and lives with his wife and son, who is 8, in Ventanas, Rios province. He is a member of V.R.C. EL RECREO in San Vicente de las Lomas, whose members are farmers growing corn, rice, beans and soy. Freddy specializes in growing corn and beans on his property, which he sells i... More from Freddy Gilbert'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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