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Jose Manuel

Update on Jose Manuel

Jose Manuel is 35 years old. He's married and has three children. He lives with his wife and children in Guaranda, province of Bolívar.

He's a member of the "Nuevos Horizontes" ("New Horizons") communal bank, which is located about 40 minutes from the community of Santa Martha, which belongs to the canton of Guaranda.

Jose is a farmer. He grows blackberries and naranjillas, and he also raises chickens and cattle.

He requests the loan in order to purchase seeds, compost, fertilizer, urea and balanced feed. With the help of this loan he'll be able to by the compost and improve his production.

His dream is to be able to expand his agriculture business and improve his profits so he can use this money for work. In his free time he enjoys going out for a stroll with his family.
View original language description ↓
Jose Manuel tiene 35 años es casado tiene tres hijos, vive con la esposa y con los hijos en Guaranda provincia de Bolívar.

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 mora y naranjilla además cría pollos y ganados.

Solicita el crédito para comprar semillas, abonos, fertilizantes, urea, balanceado. Con la ayuda del crédito podrá comprar los abonos y mejorar la producción.

El sueño es poder agrandar la agricultura y obtener mejores utilidades para poder trabajar con ese dinero. En el tiempo libre le gusta salir de paseo con la familia.

Previous Loan Details

Jose Manuel, 30, and his wife have 3 children who are 12-, 8- and 1-year(s) old, respectively. They live in Guaranda, a canton in Bolivar province. Jose is a member of the Nuevos Horizontes community bank. His town is about 40 minutes from Santa Martha in Guaranda. Jose is a farmer. He gr... More from Jose Manuel's previous loan »

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!

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.

About Ecuador

  • $10,600
    Average annual income
  • 103
    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 $1,000 helped Jose Manuel to purchase seeds, compost, fertilizer, urea and balanced feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 14, 2013
Apr 2, 2013
Currency Exchange Loss:
May 28, 2014