Update on Cristian PatricioCristian is 29 years old and married with two children. He lives with his spouse and their children in Chillanes, in the Bolivar Province. The "Virgen de Baños" communal bank is composed of the Cerritos Mama Sara community, which is 30 minutes away from the Cooperativa San Jose office.
Cristian makes his living in agriculture and grows beans, corn and blackberries, in addition to raising livestock. He is asking for this loan to buy seeds, manure, herbicides and fertilizers. With the help of this credit, he'll be able to buy what is necessary for his crops. He will make these purchases in Chillanes. The challenges Cristian faces include production losses due to the presence of natural phenomenons. In his free time, he likes to play sports and enjoys community festivals and Carnaval.
La VRC VIRGEN DE BAÑOS está formada por en la comunidad mama Sara de Cerritos, a una distancia de 30 minutos de la oficina de la Cooperativa.
Cristian se dedica a la agricultura a la siembra de fréjol, mañiz, mora, además se ddeica a la crianza de ganado.
Solicita el crédito para comprar semillas, abonos, herbicidas, fertilizantes. Con la ayuda del crédito podrá comprar lo necesario para las siembras. Las compras lo realizará en Chillanes.
Los desafíos a los que se enfrenta es la pérdida de producción por la presencia de diferentes fenómenos naturalez.
en el tiempo libre le gusta practicar el deporte y disfrutar de las fiestas de las comunidades y el carnaval.
Previous Loan DetailsCristian Patricio is 28 years old, he is married and he lives in Chillanes, in the Bolívar province, with his wife and their children aged 4 and 2. The “Virgen de Baños” communal bank is composed of the Cerritos Mama Sara community. The members spend most of their time farming, growing corn and… More from Cristian Patricio'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