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Cefferino Gustavo

Update on Cefferino Gustavo

CEFFERINO GUSTAVO, 44, is married and has two children. He lives with his wife and children in Ventanas in Los Ríos province. He belongs to the communal bank 26th of November, located in Recinto Achotillo. The bank moved to be closer to the cooperative, and this area is part of Ventanas canton. The members of the group raise livestock and farm.

CEFFERINO GUSTAVO grows corn, rice, and beans. He is applying for a loan to buy seed, urea, manure, and pesticide. He will use the loan to invest in his crops so that he can earn more income. He makes his purchase and sells his products in Ventanas. His dream is to buy a car and a plot of land. In his free time, he likes to play sports and sleep.
View original language description ↓
CEFFERINO GUSTAVO tiene 44 años de edad de estado casado tiene dos hijos, vive con la esposa y con los hijos en Ventanas Provincia de los Ríos.

Es integrante de la VRC 26 DE NOVIEMBRE, se encuentra ubicada en el recinto Achotillo se cambio de recinto porque le queda más cerca de la Cooperativa, este recinto pertenece al Cantón ventanas, esta ventanilla se dedica a labores pecuarias y agrícolas.

CEFFERINO GUSTAVO se dedica a la agricultura a la siembra de maíz, arroz, fréjol. Solicita el crédito para comprar semillas, urea, abonos, líquidos para las plagas.

Con la ayuda del crédito podrá invertir en la agricultura y con ello obtener mejores ingresos. Las compras y las ventas lo hace en Ventanas. El sueño es comprarce un carro y un terreno.
En el tiempo libre le gusta hacer deporte y dormir.

Previous Loan Details

Cefferino Gustavo is 43, married, and has two children. He lives with his wife and children in Ventanas, in De los Ríos province. He is a member the "26th of November" communal bank, located in Recinto Las Blancas, which is part of Ventanas canton. The members of the group raise livestock and ... More from Cefferino Gustavo's previous loan »

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!

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.

About Ecuador

  • $10,600
    Average annual income
  • 102
    View loans »
    Ecuador Loans Fundraising
  • $24,223,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Cefferino Gustavo to buy seed, urea, manure, and pesticide.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Dec 6, 2012
Listed
Jan 1, 2013
Currency Exchange Loss:
N/A
Ended:
Aug 18, 2013