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Milton Ruben
Rubén is 45 years old, married, and has a daughter. He lives with his wife and daughter in the canton of Chimbo, which is in Bolívar Province.

Rubén works for an agricultural products company. He is requesting a loan in order to buy a plasma TV for his home. This item will be purchased in the city of Guaranda.

His dream is to continue working so that he can improve his family’s stability. The challenge he faces is being able to live well with his family without any debts. In his free time, Rubén enjoys going out for walks with his wife and daughter.
View original language description ↓
Rubén tiene 45 años de edad es casado tiene una hija vive con su esposa e hija en el Cantón Chimbo Provincia Bolívar.

Rubén trabaja en una empresa de productos agricolas.
Solicita el crédito para la compra de un plasma para el hogar.

La compra lo realiza en la ciudad de Guaranda.
Su sueño es seguir trabajando para mejorar la estabilidad de la familia.
El desafío que enfrenta es vivir bien en la familia y sin deudas.
En su tiempo libre le gusta pasear con la esposa e hija.

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!

About Ecuador

  • $10,600
    Average annual income
  • 52
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,300 helped Milton Ruben to buy a plasma TV for his home.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 18, 2013
May 6, 2013
Currency Exchange Loss:
Jun 5, 2013