Update on Luis AlfredoLuis Alfredo is 40 years old. He is married and lives with his wife and three children, ages 13, 10, and 9, in the Ventanas canton in the province of Los Rios.
He is a member of the communal bank El Divino Niño (The Divine Child), which is located in the Estero Lindo district, part of the Ventanas canton. This communal bank works with short cycle farming activities such as planting corn and rice.
Luis Alfredo works in agriculture, planting corn and rice. He makes his purchases and sells his products in Ventanas.
He is applying for the loan to purchase seeds, urea, insecticides, and compost so that he can plant corn and rice. The loan will help him economically to supply his needs and improve the income of his family. He faces challenges such as pests in his fields and the frosts that fall on his fields. His dream is to prosper economically and buy a big house for his family.
In his free time he likes to play sports and do household tasks.
Los miembros de la V.R.C. EL DIVINO NIÑO, se encuentra ubicada en el recinto Estero Lindo, perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto como siembre de maíz y arroz.
Luis Alfredo se dedica a la agricultura a la siembra de maíz y arroz. Compra y vende los productos en Ventanas.
Solicita el crédito para sembrar maíz y arroz, compra de semillas, urea, insecticidas y abonos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades y mejorar los ingresos de la familia. Enfrenta desafíos como plagas en los cultivos y la lancha que cae a los cultivos. El sueño es prosperar economicamente y comprar una casa grande para la familia.
En el tiempo libre le gusta hacer deporte y labores de la casa.
Previous Loan DetailsLuis Alfredo, 39, is married and lives with his wife and three children, ages 13, 10 and 9, in the Ventanas Canton in the province of Los Ríos. The communal bank EL DIVINO NIÑO is located in the Estero Lindo community which belongs to the Ventanas Canton. This group is involved in growing… More from Luis 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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Success!! The loan was 100% repaid