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Jose Maria
José is 34 years old and single. He lives with his parents in Chillanes Canton, Bolívar Province. He is a member of the Unión Central Parroquia San José del Tambo communal bank, which includes businesses in agriculture, animal husbandry and trade. The community is located an hour from the cooperative.

José makes his living in agriculture, planting cacao. He is applying for a loan to buy cacao for planting and for expanding his cacao plots. He makes his purchases in San José del Tambo.

His dream is to repair his house and to buy a car. He doesn't face any challenges. In his free time, he likes to rest and ride his motorcycle.
View original language description ↓
José tiene 34 años de edad es soltero vive con sus padres en Cantón Chillanes Provincia de Bolívar.

Es integrante de ventanilla Unión Central Parroquia San José del Tambo actividad económica agricultura,

crianza de animales y comercio la comunidad se encuentra a una hora de la cooperativa.

José se dedica a la agricultura a la siembra de cacao.

Solicita el crédito para la compra de cacao para la siembra y para la incrementación de los huertos cacao.

La compra lo realiza en San José del Tambo.

El sueño es el arreglo de casa y comprar un carro.

No se enfrenta a ningún desafío.

En el tiempo libre le gusta descansar y andar en moto.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Jose Maria to buy cacao for planting and for expanding his cacao plots.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 12, 2013
Apr 29, 2013
Currency Exchange Loss:
May 28, 2014