Update on Luis AlbertoLuis Alberto, 30, is married and lives with his wife and children in Ventanas Canton, Los Ríos Province. The members of the “Señor de la Salud” communal bank are located in Recinto Soloma that belongs to Echeandia Canton. This communal bank is involved in short cycle corn and rice farming.
He grows corn and rice. He makes his purchases in Ventanas and his sales take place in the street markets every day but especially on Sundays.
He requests the loan to buy seeds, fertilizer and manure. Support from the loan will help him economically to meet his needs. He faces challenges like infestations, plant diseases and climate variations. His dream is to buy a parcel of land. He likes to play sports like volleyball.
Los miembros de la V.R.C. SEÑOR DE LA SALUD, se encuentra ubicada en el Recinto Soloma, perteneciente al Cantón Echeandia, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz
se dedica a la agricultura la siembra de maíz y arroz, las compras las realiza en Ventanas y las vende en las ferias de todos los días en especial la de los domingos.
Solicita el crédito para la compra de semillas, fertilizantes y abonos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como plagas y enfermedades en los cultivos y la variación del clima. Su sueño es comprar un terreno.
Le gusta hacer deporte como el boli.
Previous Loan DetailsLuis Alberto is 28 years of age. He is married and lives with his wife and their children. He lives in the Ventanas Canton in the province of Los Ríos. He is a member of the communal bank Señor de la Salud [Lord of Health], located in the Soloma precinct belonging to the Echeandia canton. This… More from Luis Alberto'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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