Update on Luis EcuadorLuis is thirty-nine years old. He lives in in a common-law marriage and has two children. He lives with his children and partner in the city of Ventanas in the Los Ríos Province.
He is a member of the "Anchoveta" communal bank. It's located in the parish of Puerto Pechiche, Recinto Anchoveta, which belongs to the Pueblo Viejo Canton where the people work in agriculture and ranching.
Luis works in agriculture; he grows corn, rice, and beans. He is applying for this loan to buy urea, seeds, fertilizers, manure, and a sprayer for pesticide application. With the help of this loan, he will be able to buy fertilizers and a pesticide sprayer to treat his fields.
He will make his purchases and sales in Ventanas. The challenges that he faces are soil pests and diseases as well as the climate.
His dream is to own a small business such as a grocery store and take care of his partner. In his spare time, he likes to go on walks with his family.
Es Integrante de la VRC ANCHOVETA, se encuentra ubicada en la parroquia Puerto Pechiche Recinto Anchoveta Pertenece al Cantón Pueblo viejo se dedican a dedican a labores agrícolas y pecuarias.
LUIS se dedica a la agricultura a la siembra de maíz, arroz y frejol. Solicita el crédito para comprar urea, semillas, fertilizantes y abonos, una bomba para fumigar. Con la ayuda del crédito podrá comprar los fertilizantes y la bomba para fumigar los sembríos.
Las compras y las ventas las realizará en Ventanas . El desafío a los que se enfrenta son las plagas y enfermedades en las siembras y el clima.
El sueño es un negocio propio como una tienda de abarrotes y que atienda la conviviente. En el tiempo libre le gusta pasear con la familia.
Previous Loan DetailsLuis Ecuador is 37, he is in a common law union and has one child, he lives with his child in the city of Ventanas, province of Los Rios. He is a member of the group "Anchoveta", located at Puerto Pechiche Reciunta Anchoveta, Canton Pueblo Viejo, where they perform agriculture and livestock rela... More from Luis Ecuador'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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