Update on Jose LuisJosé is 25 years old. He is single and lives with his parents in the Canton of Ventanas in the province of Los Ríos.
The communal bank is called "La Paulina" and is located in the parish of Puerto Pechiche in the precinct of La Paulina. It is part of the Canton of Pueblo Viejo. This group is dedicated to farming and livestock activities.
José works in agriculture, and has been planting maize and rice for several years. He also raises livestock. He purchases his products in Ventanas and then sells them at the market in the same location.
José is requesting this loan in order to purchase what he needs for planting as well as a pump to fumigate his crops. The loan will help him to increase his earnings for his family's consumption and to invest.
His dream is to purchase a car. He likes to play sports.
La ventanilla se llama LA PAULINA se encuentra ubicada en la parroquia Puerto Pechiche recinto La Paulina, pertenece al cantón Pueblo Viejo esta ventanilla se dedica a labores agrícolas y pecuarias.
José se dedica a la agricultura a la siembra de maíz y arroz desde hace algunos años y cría ganado. Compra sus productos en Ventanas y los vende en el mercado del mismo lugar.
El crédito solicito para la compra de lo necesario para la siembra y una bomba para fumigar. El préstamo le ayudado para aumentar los ingresos para el consumo de la familia y para invertir. Su sueño es comprarse un carro
Le gusta hacer deporte.
Previous Loan DetailsJosé is 25 years old. He is single and lives with his parents. He lives in the Ventanas canton in the Los Ríos province. The bank is called LA PAULINA and is located in the Puerto Pechiche parish in the community of La Paulina, belonging to the Pueblo Viejo canton. This bank is dedicated to agr... More from Jose Luis'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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