Update on Cesar FelixCesar is 28 years old, married, and has three children. He lives with his wife and children in the city of Ventanas, in los Ríos province.
The members of the San Antonio community bank are all farmers who live in the rural settlement of Aguas Frias. Nearly all of them grew up in this area. Most of them make a living through farming and raising livestock.
Cesar grows corn, soy and rice. He is requesting this loan to buy insecticides, herbicides and organic fertilizers. With the help of this loan, he will be able to buy everything he needs for his crops. He will make his purchases and sales in the city of Ventanas.
Cesar's dream is to buy more land. The challenges that he faces in his business are pests and competition. In his free time he enjoys watching farming programs.
ESTA VRC SAN ANTONIO, SUS MIEMBROS SE DEDICAN A LA AGRICULTURA TODOS VIVEN EN EL SECTOR DEL RECINTO AGUAS FRIAS. PRACTICAMENTE SE HAN CRIADO EN ESA ZONA, SE DEDICAN A LABORES AGRICOLAS Y PECUARIAS EN SU MAYORIA.
Cesar se dedica a la agricultura a la siembra de maíz, soya, arroz. Solicita el crédito para comprar insecticidas, herbicidas, abonos orgánico. Con la ayuda del crédito podrá comprar lo necesario para los cultivos. Las compras y las ventas las hará en la ciudad de Ventanas.
El sueño es poder comprar más terreno. Los desafíos a los que se enfrenta son las plagas y la competencia. En el tiempo libre le gusta ver programas de cómo mejorar la agricultura.
Previous Loan DetailsCesar is 28 years old, married, and has three children. He lives with his wife and children in the city of Ventanas in De Los Rios province. The members of the San Antonio communal bank work in agriculture. They all live around the rural settlement of Aguas Frias. Almost all of them have grown up... More from Cesar Felix'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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Success!! The loan was 100% repaid