Update on Jose ClasioJosé is 41 years old and he is in a common law marriage. He has three children and lives with his wife and children in the city of Ventanas in the province of Los Ríos.
The Bendición de Dios communal bank is located in the community of Rancho Grande in the Puerto Pechiche parish. People there work in farming and raising livestock.
José sells dry grains and raises small animals such as chickens and pigs. He is asking for the loan to buy morocho, rice bran and vaccines for the chickens.
With the help of the loan, he will be able to buy what he needs to farm. He makes his purchases in Ventanas. His dream is to get ahead with the loans from the cooperative. In his free time, he likes to read.
La VRC Bendición de Dios se encuentra ubicada en el Recinto Rancho Grande de la Parroquia Puerto Pechiche, se dedican a labores agrícolas y pecuarias.
José se dedica a la venta de grano seco y a la crianza de animales como gallinas, cerdos. Solicita el crédito para comprar de morocho, polvillo, vacunas para las gallinas.
Con la ayuda del cerdito podrá comprar lo necesario para la agricultura. La compra los realiza en Ventanas. El sueño es salir a delante gracias al crédito que nos otorga la cooperativa. Su tiempo libre se dedica a leer.
Previous Loan DetailsJosé Clasio, 40, has a common-law marriage and three children. He lives with his spouse and children in the city of Ventanas, Los Ríos Province. He's a memeber of Bendición de Dios Communal Bank in the Rancho Grande area of Puerto Pechiche Parish, where they work in agriculture and livestock. ... More from Jose Clasio'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