Update on Cesar CeferinoCesar is 29 years old. He is married and lives with his wife and children in the city of Ventanas, Los Rios province.
The El Laurel communal bank is located in the Recinto El Laurel in the Zapotal parish, belonging to the Ventanas canton. It is dedicated to agricultural work.
Cesar works in agriculture. He plants corn, rice and beans. He also raises chickens and pigs. Loans have helped him in vest in seeds and fertilizer for his crops and in feed for the animals.
The loan is a big help to increase production. His dream is to have health and life to keep working to give everything to his children. In his free time, he likes to play sports with his family.
La ventanilla el laurel se encuentras ubicada en el recinto el Laurel de la parroquia zapotal nuevo perteneciente al cantón ventanas se dedica a labores agrícolas.
Cesar se dedica a la agricultura a la siembra de maíz, arroz y frejol además a la crianza de gallinas y cerdos, con crédito le ayudado a invertir en semillas, abonos, y fertilizantes para los cultivos y en balanceado para los animales.
El crédito es de gran ayuda para aumentar la producción.
El sueño es tener salud y vida para seguir trabajando para dar todo a su hijo.
En los tiempos libres le gusta hacer deporte con la familia.
Previous Loan DetailsCésar, 28, is married living with his wife and two children in the city of Ventanas, Los Ríos Province. The “El Laurel” communal bank is located in Recinto El Laurel in Zapotal Nuevo Parish belonging to Ventanas Canton; it’s involved with agricultural activities. César grows corn, rice and… More from Cesar Ceferino'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
- Repayment Term
- 8 months (Additional Information)
- Repayment Schedule
- At end of term
- Jul 9, 2013
- Jul 31, 2013
- Currency Exchange Loss:
- Feb 17, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.