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Jose Antonio
Jose, 51, lives and works with his wife and son in the Valle Hermoso Parish in the city of Santo Domingo. Santo Domingo is the fourth largest city in Ecuador and, therefore, is one of the most important cities in the country. It has a warm climate and is 655 meters above sea level, about 100 kilometers from the Pacific Ocean. At 0 degrees latitude, its average temperature is between 18 and 33 degrees Celcius in summer. In the winter it usually above 23 or 24 degrees. The closest beach is called "Pedernales". Its population is growing rapidly due to its strong commerce and the fact that it is one of the largest livestock markets in the country.

Jose is a person with a great sense of responsibility, having established his own grocery store ten years ago in his house to provide an income for his family.

Jose believes the Kiva loans are a good option because getting a bank or financial institution loan is very difficult due to the many documents and guarantees required.

The loan Jose is requesting is to renovate his house and expand his business so he can better attend to his customers and increase his earnings, thereby offering all of his family a better quality of life since they all depend on him.
View original language description ↓
José es un hombre de 51 años, él vive y trabaja junto a su esposa e hijo, en la parroquia Valle Hermoso de la ciudad de Santo Domingo.
Santo Domingo es la cuarta ciudad del Ecuador más poblada, por eso, es punto de enlace entre ciudades importantes del país, posee un clima cálido, está a 655 m. sobre el nivel el mar, a unos 100 kms. del Océano Pacífico. Latitud 0, su temperatura habitual es de unos 18 a 33 °C en verano. En invierno normalmente hace más calor de 23 a 24 grados. La playa más cercana se llama “Pedernales”; su población va creciendo rápidamente ya que cuenta con un rico comercio y el mayor mercado ganadero del país.
José es persona con gran sentido de responsabilidad, por lo creó hace 10 años su propio negocio de venta de víveres en su hogar para el sustento diario de su familia.
José considera una buena opción los préstamos a través del portal Kiva, ya que menciona obtener un crédito de un Banco o institución financiera es muy difícil, porque solicitan muchos documentos y garantías.
El crédito que solicita José, lo piensa invertir en arreglos de su vivienda y para ampliar su negocio para atender de mejor manera a sus clientes y para de esta forma obtener mejores ingresos para ofrecerle una mejor calidad de vida a toda su familia, ya que ellos sobreviven de él mismo.

Additional Information

About Fundación Alternativa

Fundación Alternativa encourages entrepreneurship and provides sustainable financial and non-financial services that promote social and economic development in Ecuador. The organization focuses on serving poor and excluded populations through analysis of clients' living conditions and by providing business training and other support services in urban, rural and marginalized parts of the country.

About Ecuador

  • $10,200
    Average annual income
  • 30
    View loans »
    Ecuador Loans Fundraising
  • $23,087,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,075 helped Jose Antonio to renovate his house and business.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 1, 2012
Listed
Sep 11, 2012
Currency Exchange Loss:
N/A
Expired:
Oct 11, 2012