Update on Wilton CristobalWilton Cristóbal, 24, is married living with his wife and children in Ventanas, Los Ríos Province. He’s a member of the “Unidos Venceremos” (We Will Triumph Together) communal bank located in Recinto La América belonging to Ventanas Canton; they work in agriculture in short-cycle corn, rice, broad bean and pigeon peas.
Wilton Cristóbal works in agriculture growing corn and rice. He requests a loan to buy seeds, urea, insecticide, organic manure and liquid weed killer. With help from the loan he will be able to buy fertilizer problem-free. He will make his purchases in Ventanas or in Mocache.
His dream is to buy a car and a farm. The challenge he faces is plant infestations like “langosta” and “orosco.” In his free time he enjoys caring for the crops. He thanks God and people who have helped him with the previous loan because he was able to invest in the crops.
Es Integrante de la VRC UNIDOS VENCEREMOS, se encuentra ubicada en el recinto la América, Perteneciente al Cantón Ventanas, esta Ventanilla se dedica a labores Agrícolas de ciclo corto siembra de maíz, arroz, fréjol, gandul.
WILTON CRISTOBAL se dedica a la Agricultura a la siembra de maíz, arroz, Solicita el crédito para comprar semillas, urea, insecticidas, abonos orgánicos, líquido mata maleza. Con la ayuda del crédito podrá comprar los fertilizantes sin ninguna dificultad. Las compras de los productos lo hará en Ventanas o en Mocache.
El sueño es comprarse un carro y una finca. Los desafíos a los que se enfrenta son las plagas cómo la langosta y el orosco. En el tiempo libre le gusta cuidar los cultivos.
“Agradece a Dios y las personas que le han ayudado con el crédito anterior porque pudo invertir en los cultivos.”
Previous Loan DetailsWilton Cristobal is 23 years old. He is married and lives with his wife and four year old daughter. He lives in the Ventanas Canton in the Province of Los Ríos. This group is called "UNIDOS VENCEREMOS" (United We Shall Overcome). It is located in La América, in Ventanas Canton. The members o... More from Wilton Cristobal'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