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Juan Ramon
Juan, 37, is single and has two children; he lives with relatives in Ventanas Canton, Los Ríos Province. He works selling records and is also a municipal police officer.

He requests the loan to buy a washing machine and a refrigerator. With support from the loan he will be able to buy his home appliances for cash and with a discount. He makes his purchases weekly in Ventanas.

His dream is to have branches of his business throughout the country. His challenge is special ability. He enjoys resting at home in his free time.
View original language description ↓

Juan tiene 37 años de edad, es soltero, tiene dos hijos, vive con sus familiares, en el Cantón Ventanas Provincia de Los Ríos.

Se dedica a la venta de discos y es policía municipal.

Solicita el crédito para comprar una lavadora, refrigeradora, . Con el apoyo del crédito podrá comprar sus electrodomesticos al contado y con descuento. Las compras lo realizan en Ventanas cada semana.

Su sueño es tener sucursales de mi negocio en todo el país.

Su desafío es la capacidad especial. En sus tiempos libres le gusta descansar en la casa

Additional Information

About Cooperativa San Jose

This 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!

About Ecuador

  • $10,600
    Average annual income
  • 85
    View loans »
    Ecuador Loans Fundraising
  • $25,054,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Juan Ramon to buy a washing machine and a refrigerator.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 18, 2013
Aug 13, 2013
Currency Exchange Loss:
Dec 17, 2014