Update on Jose LuisJose, 23, is single and does not have any children. He lives with his parents in Ventanas, in the province of Los Rios. The lending club La Paulina is located in the parish of Puerto Pechiche, in the zone of La Paulina. It belongs to the canton of Pueblo Viejo, where the people work in farming and cattle. Jose is a farmer, planting corn and rice. He asks for a loan to buy seeds, urea, manure, insecticides, and compost. With the help of the loan he will be able to buy the things he needs for planting.
Jose makes his purchases and sales in the city of Ventanas. His dream is to buy a motorcycle. His challenge is planting a section of cacao. In his free time he likes to play indoor soccer with his friends.
La VRC LA PAULINA, se encuentra ubicada en la Parroquia Puerto Pechiche Recinto la Paulina, Pertenece al Cantón Pueblo Viejo se dedican a labores Agrícolas y Pecuarias.
JOSE se dedica a la agricultura a la siembra de maíz, arroz. Solicita el crédito para comprar semillas, urea, abonos, insecticidas, abono orgánico.
Con la ayuda del crédito podrá comprar lo necesario para las siembras. Las compras y ventas lo hace en la ciudad de Ventanas.
El sueño es comprarce una moto. Los desafíos a los que se enfrenta es sembrar una cuadra de cacao. En el tiempo libre le gusta jugar indor con los amigos.
Previous Loan DetailsJose Luis, 23, is single and does not have any children. He lives with his parents in Ventanas, in the province of Los Rios. The lending club La Paulina is located in the parish of Puerto Pechiche, in the zone of La Paulina. It belongs to the canton of Pueblo Viejo, where the people work in fa... More from Jose Luis'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