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Jose Luis
JOSE LUIS, 28, is a single man with two children. He lives with his parents in Ventanas, a city in Los Rios province.

He is a member of the AVANZA community bank. Its members are farmers, all of whom live in the area around Agua Frias. Most of them grew up in the area and make their livings from farming businesses.

JOSE LUIS grows maize for a living. He also raises pigs and chickens. He is applying for a loan that he will use to buy seeds, pesticides, urea, weed killer, etc.

The investment will allow him to increase his yield. He buys and sells what he needs in Ventanas. He has to overcome bad weather and crop diseases. For the future, he wants to buy a farm of his own and plant more crops. In his spare time, he likes to play sports.
View original language description ↓
JOSE LUIS tiene 28 años de edad es soltero tiene dos hijos, vive con los padres en la ciudad de Ventanas Provincia de los Ríos.

Es integrante da la VRC AVANZA sus miembros se dedican a la Agricultura todos viven en el Sector del Recinto Agua Frías, prácticamente se han criado en esa zona, se dedican a Labores agrícolas u pecuarias en su mayoría.

JOSE LUIS se dedica a la agricultura a la siembra de maíz, además se dedica a la crianza de cerdos y gallinas. Solicita el crédito para comprar semillas, insecticidas, urea, líquido mata maleza.

Con la ayuda del crédito podrá aumentar la producción. Las compras y las ventas las realizará en la ciudad de Ventanas Provincia de los ríos. Los desafíos a los que se enfrenta son las plagas y el mal clima. El sueño es comprarse una finca y tener ma´s siembras. En el tiempo libre le gusta hacer deporte.

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!

About Ecuador

  • $10,600
    Average annual income
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $24,616,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Luis to buy supplies for his farming business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Oct 26, 2012
Nov 21, 2012
Currency Exchange Loss:
Jul 17, 2013