Update on Jose GermanJosé is a 20-year old married man who lives with his wife and children in the city of Ventanas in the province of Los Ríos. The "Laurel" communal bank is located in Recinto El Laurel in Zapotal Nuevo Parish belonging to the cantón Ventanas and is involved in agriculture. José cultivates corn, rice and beans, and also breeds hens and pigs.
Thanks to the loan, he has bought seeds and fertilizers for the crops and animal feed. The loan has been of great help to increase production.
His dream is to increase his income and to save money, so that he can keep investing in his land and his house. He enjoys exercising, studying and spending time 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
José 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 obtener ingresos económicos e irlos ahorrando ya que con ello puede seguir comprando lo necesario y así obtener la casa y la siembra
Le gusta hacer deporte, estudiar y pasar mas tiempo con mi familia.
Previous Loan DetailsJosé, 20, is married living with his wife and children in the city of Ventanas, Los Ríos Province. The “Laurel” communal bank is located in Recinto El Laurel in Zapotal Nuevo Parish belonging to Ventanas Canton; it’s involved with agricultural work. José is a corn, rice and broad bean farmer… More from Jose German'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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