Check out other loans that are currently fundraising!
Freddy Tobias
Freddy, 23, is in a common law relationship and has a daughter; he lives with his spouse and daughter in Guaranda, Bolivar Province. The “Arte y Cultura Wari” (Wari Art and Culture) communal bank is located in the community of Larkaloma 45 minutes from the office; it has 11 members.

Freddy works in agriculture growing potatoes and corn and also raises animals like chickens; he also has a few cows. He’s asking for the loan to buy manure, fertilizer, organic manure and animal feed. With help from the loan he’ll be able to fumigate the crops on time.

His dream is to be able to own a vehicle for the business. The challenge he faces is competition. He likes to play sports in his free time.
View original language description ↓
Freddy tiene 23 años de edad vive en Union Libre, tiene 1 hija,vive con la compañera y con la hija, en Guaranda Provincia de Bolívar.

La VRC Arte y Cultura “Wari” se encuentra en la comunidad de Larkaloma a 45 minutos de la oficina, está conformada por 11 socios

fredy se dedica a la agricultura a la siembra de papas, maíz, además cría animales como pollos y tiene algunas vacas.

Solicita el crédito para comprar abonos, fertilizantes, abonos orgánicos y alimentacion para los animales. Con la ayuda del crédito podrá fumigar a tiempo los cultivos.

El sueño es poder tener un vehículo propio para el negocio. Los desafíos a los que se enfrenta es la competencia.

En el tiempo libre 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
  • 57
    View loans »
    Ecuador Loans Fundraising
  • $24,312,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Freddy Tobias to buy agricultural supplies and animal feed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 3, 2013
Jul 11, 2013
Currency Exchange Loss:
Jul 17, 2014