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Luis Armando
Luis is 22 years old, married, and has a child aged two. He lives with his wife and their child in Guaranda in the Bolívar Province. He works as a bricklayer in the construction of houses.

He is applying for this loan in order to buy building materials so that he can make some adjustments on his own house. The loan will help him to carry out the adjustments in order to improve his living conditions.

Luis' dream is to buy a car so that he can go on excursions with his family. In his spare time he likes to practice sports.
View original language description ↓
Luis tiene 22 años de edad es casado tiene un hijo de 2 años vive con la esposa y con el hijos en Guaranda Provincia de Bolivar.

Se dedica a la albañeria en construcciones de casas, el credito lo solicita para la compra de material para hacer unos arreglos en la casa de el. El credito le va ayudar a a realizar los arreglos en la casa para vivir mejor.

El sueño de luis es comprar un carro para salir a pasear con la familia.

En los tiempos libres le gusta hacer deporte.

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
  • 48
    View loans »
    Ecuador Loans Fundraising
  • $24,300,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $600 helped Luis Armando to buy building materials to make some adjustments on his house.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 27, 2013
Jun 7, 2013
Currency Exchange Loss:
Jul 7, 2013