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Jose Luis
José Luis, 33, is married and has two daughters. He lives with his wife and daughters in Chimbo, Bolívar Province. He works selling items for the home like armoires, bureaus, night stands, chests, picture frames and lamps. He’s requesting the loan to buy armoires, bureaus, night stands, chests, picture frames, lamps and photo albums. With help from the loan he will be able to increase business. He will make his purchases in the city of Guayaquil monthly. The challenge he faces is having his own working capital. His dream is to improve quality of life and be debt-free. He likes to spend his free time with his daughters and wife.
View original language description ↓
JOSE LUIS tiene 33 años de edad es casado tiene dos hijas, vive con las hijas y con la esposa en Chimbo Provincia de Bolívar.

JOSE LUIS se dedica a la venta de artículos para el hogar, armarios, semaneros, comodas, cofres, portaretratos, lamparas. Solicita el crédito para comprar armarios, semaneros, comodas, cofres, portaretratos, lamparas, albunes de fotos. Con la ayuda del crédito podrá incrementar el negocio.

Las compras las realizará en la ciudad de Guayaquil cada mes. Los deafíos a los que se enfrenta es tener capital propio para trabajar.

El sueño es tener una mejor calidad de vida y no tener cuentas por pagar. En el timpo libre lke gusta dedicarce a las hijas y al esposo.

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
  • 75
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Jose Luis to buy items for the home.
100% repaid
Repayment Term
4 months (Additional Information)
Repayment Schedule
Jan 7, 2013
Feb 1, 2013
Currency Exchange Loss:
Mar 18, 2013