Update on Jose ManuelJosé’s 27-year-old married and has children; he lives with his wife in Guaranda, Bolívar Province. He’s a member of the “Nuevos Horizontes” (New Horizons) communal bank. The community is located about 40 minutes away in Santa Martha belonging to Guaranda Canton.
José works growing sugarcane, blackberries, ‘naranjilla’ [a tropical fruit] and also raises animals like chickens and pigs. He’s asking for the loan to buy seeds, fertilizer, urea and insecticide. With the loan’s help he’ll be able to increase production. He makes his purchases and sales weekly in Guaranda.
The challenges he faces are competition, poor roads and bad weather. His dream is to be able to buy a pick-up truck to transport his products to sale. In his free time he enjoys wandering in the countryside and enjoying sports, especially playing volleyball. He is very grateful for his previous loan.
Es integrante de la Vrc Nuevos Horizontes, la comunidad se encuentra a unos 40 minutos en la comunidad santa Martha perteneciente al Cantón Guaranda.
JOSE se dedica a la agricultura a la siembra de caña de azúcar, mora, naranjilla, además se dedica a la críanza animales como pollos y cerdos.
Solicita el crédito para poder comprar semillas, fertilizantes, urea, insecticidas. Con la ayuda del crédito podrá incrementar la producción. Las compras y las ventas lo hace en Guaranda cada semana.
Los desafíos a los que se enfrenta es la competencia las malas vías y el mal clima. El sueño es poder comprar una camioneta para poder transportar los productos y para venderlos. En el tiempo libre le gusta pasear por el campo y disfrutar de los deportes en especial el boly.
" Esta muy agradecido por el crédito anterior".
Previous Loan DetailsJose Manuel is 26 years old, married with no children and lives with his wife in the Guaranda Bolivar province. He is a member of the “VR Nuevos Horizontes” [Ventanillas Rurales (VR) Windows to the Countryside New Horizons], the community is located about 40 minutes from the Santa Martha community… More from Jose Manuel'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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