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Carlos Raul

Update on Carlos Raul

Carlos, 37, is married and has two children. He lives with his wife and children in Ventanas Canton, Los Ríos Province. He’s a member of the “27 de Octubre” communal bank located in Recinto Santa Sofía belonging to Ventanas Canton. This communal bank is involved with short cycle corn, rice and pigeon pea farming.

Carlos grows corn. His purchases and sales take place in Ventanas. He requests the loan to buy seeds, fertilizer and urea and to lease more farmland. The challenge he faces is plant infestations. His dream is to be able to buy land. He likes playing volleyball in his free time.
View original language description ↓
Carlos tiene 37 años de edad es casado tiene dos hijos, vive con la es posa y con los hijos en el cantón Ventanas provincia de los Ríos.

Es integranbte de la VRC 27 DE OCTUBR, se encuentra ubicada en el recinto Santa Sofía, Perteneciente al Cantón Ventanas, Esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz, arroz, frejol gandul.

Carlos se dedica a la agricultura a la siembra de maíz. Las compras y las ventas lo hace en ventanas.

Solicita el crédito para comprar semillas, fertilizantes, urea y poder arrendar más terreno para sembrar. Con la ayuda del crédito podrá comprar los insumos agrícolas para que la siembra sea un exito. Los desafíos a los que se enfrenta son las plagas coma la langosta.

El sueño es poder comprarse un terreno. En el tiempo libre le gusta jugar boli.

Previous Loan Details

Carlos Raul is 35 years old and married. He lives with his wife and children in the canton of Ventanas in Los Ríos Province. The October 27th Communal Bank is located in the neighborhood of Recinto San Sofia, which is part of the canton of Ventanas. This Communal Bank is composed of short-c... More from Carlos Raul'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
  • 103
    View loans »
    Ecuador Loans Fundraising
  • $24,134,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Carlos Raul to buy seeds, fertilizers, urea and to lease farmland.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 3, 2012
Aug 29, 2012
Currency Exchange Loss:
Mar 15, 2013