Update on Carlos ArmandoCarlos is 38-years-old, is single, and he does not have children. He lives with his parents in the area of El Jobo, belonging to the Ventanas canton in the province of Los Ríos (the rivers). He is part of the communal bank Nuevo Jerusalen that is located in the campus of el Jobo. He works in agriculture and livestock. Carlos is dedicated to agriculture to corn and rice.
With the credit may buy inputs such as fertilizers, manure and seeds. The purchases are made in the town of Ventanas (windows). The loan will help him to increase his revenue and crops. His dream is to buy a vehicle. In his free time he likes to play sports.
Pertenece a la Ventanilla NUEVO JERUSALEN se encuentra ubicada el recinto EL JOBO, perteneciente al cantón Ventanas 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 y semillas. Las compras las realiza en la ciudad de Ventanas. El crédito le ayudado para aumentar los ingresos y los cultivos.
El sueño es comprar un vehiculo. En los tiempos libres le gusta hacer deporte.
Previous Loan DetailsCarlos is thirty-seven years old and is single with no children. He lives with his parents in the area of El Jobo, belonging to the Ventanas canton in the province of Los Ríos. He belongs to the communal bank NUEVO JERUSALEN, which is located in the area of El Jobo in the Ventanas canton. T... More from Carlos Armando'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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