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German Nicolas
German Nicolas is 21 years old and single with no children. He lives with his parents in the city of Ventanas, Provincia de los Rios [Province of the Rivers].

He is a member of VRC LA VICTORIA, located in the Pantano district and part of the canton Ventanas which is dedicated to agricultural and livestock activities.

German Nicolas makes a living in agriculture growing rice and corn. He makes purchases in the city of Ventanas. He requests the loan to buy insecticides, urea, Mata Monte liquid [an herbicide], and fertilizers. With the help of the loan he will be able to work and change his style of life.

His dream is to build himself a house with a garden. The challenges which he faces are crop diseases and plagues.

In his free time, he likes to take care of his farm.
View original language description ↓
GERMAN NICOLAS tiene 21 años de edad es soltero no tiene hijos, vive con los padres en la ciudad de Ventanas Provincia de los ríos.

Es integrante de la VRC LA VICTORIA, se encuentra ubicada en el Recinto Pantano, pertenece al Cantón Ventanas se dedican a labores Agrícolas y Pecuarias.

GERMAN NICOLAS se dedica a la agricultura a las siembras de maíz, arroz. Las compras las realiza en la ciudad de Ventanas. Solicita el crédito para comprar insecticidas, urea, líquido mata monte, fertilizantes. Con la ayuda del crédito estará dispuesto a trabajar y cambiar el estilo de vida.

El sueño es hacerce una casa con jardín. Los desafíos a los que se enfrenta son las enfermedades, plagas en el cultivo.

En el tiempo libre le gusta cuidar los cultivos.

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
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped German Nicolas to buy insecticides, urea, herbicide, and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 19, 2012
Dec 17, 2012
Currency Exchange Loss:
Dec 21, 2013