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William Ernesto
William is 28 years old and he is single. He has one 7-year-old child with whom he lives in the city of Guaranda in the Bolívar province. He is a member of the Los Pinos communal bank. It is made up of 14 members who are from the same community where they work in agriculture and are 40 minutes from the Pangua Community Office.

William makes a living in agriculture planting corn and wheat. He also makes a living selling wool coats for ladies and gentlemen. He is requesting a loan to buy coats for men and women. With the help of the loan he will be able to buy the merchandise that he really needs. He will make the purchases in the city of Quito and carry out sales inside and outside of the Bolívar province.

His dream is to get better orders and to sell abroad. The challenges that he faces are competition and the poverty of everyday life.

In his free time he likes to play sports, volleyball in particular.
View original language description ↓
William tiene 28 años de edad es soltero tiene un hijo de 7 años de edad vive con el hijo en la ciudad de Guaranda Provincia de Bolívar.
Es integrante de la Ventanilla Los pinos, se encuentra formada por 14 socios que son de la misma comunidad, se dedican a la agricultura queda a 40 minutos de la oficina Comunidad Pangua.

William se dedica a la agricultura a la siembra de maíz, trigo, además se dedica a la venta de abrigos de lana para damas y caballeros.

Solicita el crédito para comprar abrigos de hombre y mujer. Con la ayuda del crédito podrá comprar la mercadería que le hace mucha falta.
Las compras las realizará en la ciudad de Quito y las ventas las realiza dentro y fuera de la provincia Bolívar.
El sueño es mejorar los pedidos y vender en el extranjero. Los desafíos a los que se enfrenta es la competencia y la pobreza en la vida cotidiana.
En el tiempo libre le gusta hacer deporte en especial el boli.

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
  • 95
    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 $600 helped William Ernesto to buy coats for men and women.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 18, 2013
May 19, 2013
Currency Exchange Loss:
May 28, 2014