Update on Johnny AndresJohnny Andres is 29 years old and lives in a common-law marriage. The pair has a 9-month-old daughter. The family resides in Ventanas, in De los Rios province.
His communal bank, “La Verdad Nos Hara Libres” [The Truth Will Make Us Free]. is located in Recinto Caimito, in Ventanas canton. The bank focuses on agricultural laborers who grow corn and rice on the short cycle.
Johnny Andres, too, is dedicated to planting corn and rice. In addition, he raises hens. Johnny Andres purchases his supplies in Ventanas and sells his products in the market at the same locale.
The loan he solicits is for purchasing supplies, urea, fertilizers, and liquids to be used in planting corn and rice. The loan will aid him especially in buying fertilizers.
In his free time, Johnny Andres likes to play indoor sports and his favorite local dish is “chaulafan” [Ecuadorian style chicken fried rice].
La ventanilla LA VERDAD NOS HARA LIBRES se encuentra ubicada en el Recinto Caimito perteneciente al cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembre de maíz y arroz.
Johnny Andres se dedica a la agricultura a la siembra de maíz, arroz, además se dedica a la crianza de gallinas. Compra sus productos en Ventanas y las vende en el mercado del mismo lugar.
El crédito solicito para la compra de insumos, urea, fertilizantes, líquidos para la siembra del maíz, arroz. El préstamo le ayudado a comprar los fertilizantes. En los tiempos libres le gusta jugar indor y le gusta comer chaulafan
Previous Loan DetailsJohnny Andres is 29 years old and lives with his partner in the Caimito neighborhood in the town of Ventanas, Ecuador. He has no children. The community bank La Verdad Nos Hara Libres ("The Truth Will Set Us Free") is located in the same area, and it is dedicated to short-cycle agricultural… More from Johnny Andres'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
- Repayment Term
- 9 months (Additional Information)
- Repayment Schedule
- At end of term
- Dec 6, 2012
- Dec 27, 2012
- Currency Exchange Loss:
- Aug 17, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.