Update on Alfredo OtilioAlfredo, 48, is in a common law relationship and has two children; he lives with his children and spouse in the city of Ventanas, Los Ríos Province. He’s a member of the “Genesis” communal bank located in Atascoso which belongs to Ventanas Canton; they carry out agricultural and animal husbandry activities.
Alfredo works in agriculture growing corn and rice and also raises pigs and chickens. He’s asking for this loan to buy urea, seeds, organic manure and fertilizer. With the loan’s help he will be able to buy the fertilizer and a pump to fumigate his crops.
He makes his purchases and sales in Guaranda. The challenge he faces is infestations and crop diseases. His dream is to buy land to continue planting. He likes playing indor soccer with neighborhood friends in his free time.
Es Integrante de la VRC GENESIS, se encuentra ubicada en el recinto atascoso, Pertenece al Cantón ventanas se dedican a labores agrícolas y pecuarias.
ALFREDO se dedica a la agricultura a la siembra de maíz, arroz, además se ddeica a ala crianza de cerdos y pollos. Solicita el crédito para comprar urea, semillas, abono orgánico y fertilizantes. Con la ayuda del crédito podrá comprar los fertilizantes y la bomba para fumigar los sembríos.
Las compras y las ventas las realizará en Guaranda. El desafío a los que se enfrenta son las plagas y enfermedades en las siembras.
El sueño es comprar un terreno para seguir sembrando. En el tiempo libre le gusta jugar indor con los amigos del barrio.
Previous Loan DetailsAlfredo Otilio is 47 years old, in a common law marriage, and has two children. They all live together in Ventanas, within the Los Rios province. He is a member of the Genesis communal bank, located in Atascoso, part of Ventanas where the people are farmers and raise livestock. Alfredo… More from Alfredo Otilio'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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