Update on Carlos AlbertoCarlos is 25 years old. He is single with no children. He lives with his parents and his two siblings who are 15 and 12 years old. They live in the community of Terrenal, part of the Pueblo Viejo canton in the Los Rios province.
Carlos belongs to the Terrenal communal bank, which is located in Terrenal, part of the Pueblo Viejo canton. It focuses on agricultural work and raising livestock.
Carlos works in agriculture, sowing corn and rice. With this loan, he will be able to buy supplies such as fertilizers, manure, and insecticides to avoid pests and diseases. He will make his purchases in the cities of Pueblo Viejo and Ventanas.
Carlos’s dream is to have money to start his own business such as a grocery store, since there are none where he lives. In his free time, Carlos plays volleyball.
Pertenece a la Ventanilla TERRENAL se encuentra ubicada el recinto TERRENAL, perteneciente al cantón Pueblo Viejo se dedica a labores agrícolas y pecuarias.
Carlos se dedica a la agricultura a la siembra de maíz y arroz. Con el crédito podrá comprar insumos como: fertilizantes, abonos, insecticidas para evitar las plagas y enfermedades. Las compras las realiza en la ciudad de Pueblo Viejo y en Ventanas.
El sueño es tener dinero para ponerse un negocio propio como es una tienda de abarrotesa ya que donde viven no hay, en los tiempos libres jugar bolly.
Previous Loan DetailsCarlos is 24 years old. He is single with no children. Carlos lives with his parents and his two siblings who are 15 and 12 years old. They live in the Terrenos area, part of the Pueblo Viejo canton in the Los Ríos province of Ecuador. Carlos belongs to the Terrenos communal bank, which is ... More from Carlos Alberto'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