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Luis Martin
Luis Martin, 36, is single and lives with his parents in Chillanes, Bolívar province. He is a member of the communal bank Arrayapamba, composed of twelve members that live in a community located 25 minutes away from the cooperative’s office. The region’s activities are agriculture, livestock farming and commerce.

Luis Martin works in agriculture. He grows corn, beans, blackberry and he also raises cattle. He is requesting a loan to buy compost, insecticides, ranger [a brand of herbicide], polvillo [an animal feed made from rice], morocho [a kind of dense corn] and pay for the pasture’s rent. Luis Martin will buy these supplies in the city of Chillanes, where he sells his produce.

Luis Martin’s dreams are to improve his quality of life, offer good-quality products and to have his own land. The most significant challenge for him is decreased production due to bad weather conditions, plagues and diseases.

During his free time, he likes to play sports, especially volleyball and football. He also likes to take part in local celebrations and carnivals.
View original language description ↓
Luis Martin tiene 36 años de edad es soltero vive con sus padres en chillanes Provincia de Bolìvar.
Es Integrante de la VRC Arrayapamba se encuentra formada por 12 socios que son de la misma comunidad a 25 minutos de la oficina de la cooperativa, la actividad económica es la agricultura, crianza de animales y comercio.

Luis Martin se dedica a la agricultura a la siembra de maíz, frejol, mora y además se dedica a la crianza ganado. Solicita el crédito para la compra de abonos, insectisida, ranger, polvillo, balanceado, morocho y el arriendo de los pastizales.

Las compras las realiza en la ciudad de Chillanes y sus productos los ofrece en la misma. Su sueño es mejorar las condiciones de vida, tener una buena producción y tener terreno propio.

Los desafíos a los que se enfrenta son: baja de producción por mal tiempo, presencia de plagas y enfermedades.
En el tiempo libre le gusta hacer deporte en especial jugar boly, futbol disfrutar de las festividades de la comunidad y también en sus carnavales.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Luis Martin to buy compost, insecticide, herbicide and feed, and to pay for the pasture's rent.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 19, 2013
Mar 13, 2013
Currency Exchange Loss:
Apr 30, 2014