Update on Luis AlfredoAlfredo is 50 years old and single. He lives with his mother in Chillanes in the Bolivar province in the Santa Rosa de Cerritos community.
Alfredo is a member of the San Isidro communal bank in the Santa Rosa de Cerritos community. It is 40 minutes from the head office. The members of this communal bank work in agriculture and raise animals.
Alfredo works in agriculture growing corn and beans. He also raises animals like cattle.
He is requesting the loan to buy cattle. He will make the purchase in the city of Chillanes.
His dream is to have his health in order to continue working and getting a good production. The challenges he faces are pest infestations, diseases, and the lack of capital for work.
In his free time he likes to take walks in his town and go to the community celebrations.
Rosa de Cerritos.
Alfredo es integrado a la ventanilla VRC de San Isidro se encuentra formado en la comunidad de Santa Rosa de
Cerrito de una distancia de 40 minutos de la oficina de la cooperativa son personas que se dedican a la
agricultura y crianza de animales.
Alfredo se dedica a la agricultura a la siembra de frejol y maíz y a la crianza de animales como el ganado.
Solicita el crédito para la compra de ganado.
La compra lo realiza en la ciudad de Chillanes.
El sueño es tener salud para seguir trabajando y tener una buena producción.
Los desafíos que se enfrenta es las plagas y las enfermedades falta de capital para trabajar.
En el tiempo libre le gusta salir al pueblo a pasear y salir a las fiestas de la comunidad.
Previous Loan DetailsLuis Alfredo is 47 years old and is single. He lives with his mother, and has no children. He lives in Chillanes, in the province of Bolivar. The SAN ISIDRO communal bank is made up of ten members. It is located in the Chillanes canton, 45 minutes from the head office. The members of this… More from Luis Alfredo'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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