Update on Gilberth JulianGilberth, 24, is married and has two children; he lives with his wife and children in Guaranda, Bolívar Province. He’s a member of the “Nuevos Horizontes” (New Horizons) communal bank located about 40 minutes away in the community of Santa Martha belonging to Guaranda Canton.
Gilberth works in agriculture growing blackberries and ‘naranjilla’ [a tropical fruit] and also works raising pigs, chickens and cattle. He’s asking for the loan to buy supplies, fertilizer, urea, herbicide and vaccines and vitamins for the animals. He makes his purchases and sales weekly in Guaranda. With the loan’s help he’ll be able to buy what he needs to improve production.
His dream is to succeed in producing higher amounts of products and that his family has good health. The challenges he faces are poor roads and bad weather. He likes going out on family excursions in his free time. He’s very grateful for the previous loan that was very useful.
Es integrante de la Vrc Nuevos Horizontes, la comunidad se encuentra a unos 40 minutos en la comunidad santa Martha perteneciente al Cantón Guaranda.
Gilberth se dedica a la agricultura a la siembra de mora, naranjilla, además se dedica a la crianza de cerdos, pollos y ganado.
Solicita el crédito para poder comprar insumos, fertilizantes, urea, hervicidas, vacunas y vitaminas para los animales.
Las compras y las ventas lo hace en Guaranda semanalmente. Con la ayuda del crédito podrá comprar lo necesario para mejorar la producción.
El sueño es llegar a obtener mayor cantidad de productos y que la familia tenga salud. Los desafíos a los que se enfrenta son las malas vías de acceso y mal clima. En el tiempo libre le gusta salir a pasear con la familia.
"Está muy agradecido por el crédito anterior que le ha servido de mucho".
Previous Loan DetailsGilberth Julian, 23, and his wife have 2 children who are 6- and 2-years old, respectively. They live in Guaranda, a canton in Bolivar province. Gilberth is a member of the Nuevos Horizontes community bank. His town is about 40 minutes from Santa Martha in Guaranda. Gilberth is a farmer. He… More from Gilberth Julian'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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