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Oscar Fernando

Update on Oscar Fernando

Oscar Fernando is 30 years old and single. He has one child and lives in the canton of Ventanas in the province of Los Ríos.

The communal bank is called Ciudadela Los Angeles and is located in the Los Ángeles precinct belonging to the canton Ventanas. This communal bank dedicates itself to short cycle farmwork like planting corn and rice.

Oscar Fernando makes a living as a farmer planting corn and rice. He buys his products in Ventanas and sells them in the market there as well as in the markets of the surrounding cantons.

He is requesting the loan to buy fertilizer, urea, and liquid fertilizer for planting corn and rice. The loan has helped him increase his earnings for his family's consumption and for investing. His dream is to have his own home and car in order to continue working.

He likes playing sports.
View original language description ↓
OSCAR FERNANDO tiene 30 años de estado civil Soltero tiene un hijo . Vive en el Cantón Ventanas provincia de Los Ríos.

La ventanilla se llama CIUDADELA LOS ANGELES, se encuentra ubicada en el recinto los Ángeles, pertenecientes al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz.

OSCAR FERNANDO se dedica a la agricultura a la siembra de maíz y arroz. Compra sus productos en Ventanas y las vende en el mercado del mismo lugar y en las ferias de los Cantones de los alrededores.

El crédito solicito para la compra de abono, urea, líquidos fertilizantes para la siembra del maíz y arroz. El préstamo le ayudado para aumentar los ingresos para el consumo de la familia y para invertir. Su sueño es tener su casa propia y carro para seguir trabajndo.

le gusta hacer deporte.

Previous Loan Details

Oscar Fernando, 29, is single and lives with his six-year-old son in the Ventanas Canton in the province of Los Ríos. The communal bank CIUDADELA LOS ANGELES, which is involved agriculture, is located in the Los Ángeles Community, in the Ventanas Canton. Oscar grows corn and rice, buying hi... More from Oscar Fernando's previous loan »

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!

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.

About Ecuador

  • $10,600
    Average annual income
  • 89
    View loans »
    Ecuador Loans Fundraising
  • $25,045,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Oscar Fernando to buy fertilizer, urea, and liquid fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 31, 2012
Aug 28, 2012
Currency Exchange Loss:
Aug 17, 2013