Update on Francisco EfrainFrancisco, 49, is in a common-law marriage and has one son. He lives with his wife and son in the city of Ventanas, in Los Rios province. He is a member of the Bruniquilde communal bank, which is in the Calabi precinct in Ventanas canton. They work in agriculture. Francisco works in agriculture, planting corn. He is asking for the loan to buy seeds, supplies, fertilizers, urea, and manure to care for the crops. He will buy the products in the city of Ventanas. With the help from the loan, he will be able to buy the supplies. He faces challenges like the prices of the competition. His dream is to never lack the money to give his son a good education. In his free time, he like to walk with his family through the countryside.
Es Integrante de la VRC BRUNIQUILDE, se encuentra ubicada en Recinto Calabi, Pertenece al Cantón Ventanas se dedican a labores Agrícolas.
FRANCISCO se dedican a la agricultura a la siembra de maíz. Solicita el crédito para comprar semillas, insumos, fertilizantes, urea, abonos para cuidar los cultivos.
Las compras de los productos las realizará en la ciudad de Ventanas. Con La ayuda del crédito podrá comprar los insumos.
Enfrenta desfíos son los precios de la competencia. El sueño es que nunca le falte el dinero para dar una buena educacion al hijo. En el tiempo libre le gusta caminar con la familia por el campo.
Previous Loan DetailsFrancisco Efraín, 47, is in a common law relationship and has a 15-year-old son; he lives with his wife and son in the city of Ventanas, Los Ríos Province. He’s a member of the “Bruniquilde” communal bank located in Recinto Calabi that belongs to Ventanas Canton; they work in agriculture. Fra... More from Francisco Efrain'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