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Fulgencio C. P. is 46 years old and he is married. He lives in the canton of San Miguel, in Bolívar Province. His children are María, Laura, Miguel, Manuel, Carmen, Arrelio, Esteban, and Transito. María is 20 years old and is the oldest, and the youngest, Transito, is 7 years old.

He is a member of the Yagui Grande communal bank. There are 38 members in total, the majority of whom work in agriculture and raise small animals.

Fulgencio has worked in agriculture as his family’s primary source income for his whole life. The crops he grows most are corn and potatoes. He sells them in the canton’s Thursday market. He is requesting the loan for agricultural inputs and seed. His hope is to be able to buy his own land so he can build a house for his children. His greatest motivation is to improve his family’s quality of life.

He lives in a community that is quiet, close-knit, and responsible. He likes to work collaboratively with all of the members. His family likes working in the fields.
View original language description ↓
Fulgencio C. P. tiene 46 años de edad, su estado civil es casado, y vive en el cantón de San Miguel en la provincia de Bolívar. Sus hijos son María, Laura, Miguel, Manuel, Carmen, Arrelio, Esteban, y Transito. La mayor María tiene 20 años y el menor Transito tiene 7 años.
El socio es un miembro de la ventanilla rural Yagui Grande. Son 38 socios en total, los cuales la mayoría se dedican a la agricultura y la crianza de animales menores.
Fulgencio se dedica a la agricultura toda su vida como principal fuente económica de su familia. Dentro de los cultivos que sobresalen son maíz y papas. Los vende en la feria del cantón los días jueves. Solicita el crédito para insumos agrícolas y semillas. Su esperanza es que pueda comprar su terreno propio para construir una casa para sus hijos. Su mayor motivo de trabajo es mejorar la calidad de vida para su familia.
Vive en una comunidad tranquila, unida, y responsable. Les gusta colaborar con todos los miembros. A la familia le gusta trabajar en el campo.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Fulgencio for agricultural inputs and seed.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Dec 29, 2009
Jan 27, 2010
Currency Exchange Loss:
Nov 19, 2010