Update on Wilmer ReinaldoWilmer Reinaldo is 25 years old; he is married and lives with his wife and children in the Ventanas neighborhood, Province of los Ríos.
The members of the V.R.C. Lord of Health communal bank are located in the Soloma precinct, part the Echeandia neighborhood, it is mostly inhabited by people who work in agriculture growing corn and rice.
Wilmer works in agriculture harvesting corn and rice; he buys his items in Ventanas and sells them in markets everyday but especially on Sundays.
Wilmer needs a loan to buy seeds, fertilizers and manure. The loan will help him financially to meet his needs and to face challenges like plagues and disease that hurt his crops as well as the variation in climate. Wilmer’s dream is to buy a car.
He enjoys walking through the fields.
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
Wilmer 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 carro.
Le gusta caminar por el campo.
Previous Loan DetailsWilmer Reinaldo is 22 years old, married, and lives with his wife and children. He resides in the canton of Ventanas in Los Ríos Province. The members of the Communal Bank “Señor de La Salud” (Lord of Health) meet in the neighborhood of Recinto Soloma, which is part of the canton of Echeand... More from Wilmer Reinaldo'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