Update on Dalberto BayronDalberto Bayron, 23, is single and has no children. He lives with his mother and brother in Ventanas Canton in the province of Los Ríos. He's a member of La Unión Communal Bank, located in the Aguas Frías precinct in Ventanas Canton. This bank is devoted to short-cycle agricultural labor growing corn, rice, and beans.
Dalberto Bayron works in agriculture growing corn and rice. He also raises animals such as chickens and ducks. He makes his purchases and sales in Ventanas.
He's requesting the loan to buy seeds, Ranger [a brand of herbicide], fertilizer, urea, manure, and liquids. With the help of the loan he will be able to buy the agricultural fertilizers.
His dream is to have his own house. In his free time he likes to play sports.
Es integrante de la VRC LA UNION, se encuentra ubicada en el Recinto Aguas Frías, Perteneciente al cantón Ventanas, esta Ventanilla se dedica a labores Agrícolas de ciclo corto siembra de maíz, arroz, frejol.
Dalberto Bayron se dedica a la agricultura a la siembra de maíz, arroz, además se dedica a la cría de animales cómo pollos y patos. Las compras y las ventas lo hace en Ventanas.
Solicita el crédito para comprar semillas, ranger, fertilizantes, urea, abonos, líquidos. Con la ayuda del crédito podrá comprar los fertlizates agrícolas.
El sueño es tener una casa propia. En el tiempo libre le gusta practicar deporte.
Previous Loan DetailsDalberto Bayron is 22 years old. He’s single living with his mother and brother in Vantanas Canton, Los Ríos Province. The “La Unión” (Unity) communal bank is located in Aguas Frías de Medellín which belongs to Ventanas Canton. The members of this communal bank are short cycle corn, rice a... More from Dalberto Bayron'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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