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José Agnelio
José Agnelio P. U. is 32 years old, single, and does not have children. He lives in the town of San Francisco de Rumí, which is 1½ hours from San Miguel Canton in the Province of Bolivar.

José is a member of the Communal Bank “San Francisco de Rumí Pamba”. The group consists of 25 members, most of whom are engaged in agriculture. José has been farming for 18 years as the main source of income for his family. Among the crops grown in the area are potatoes, wheat, and corn. He sells his products at the markets in San Miguel and to merchants who pass through the community.

José is requesting a loan to buy chemical fertilizers for his crops. His goal is to achieve a good harvest and improve his family’s way of life. José challenges include dealing with low market prices during harvest time. In his free time, he enjoys playing volleyball.

View original language description ↓
José Agnelio P. U. tiene 32 años, es soltero, no tiene hijos, Viven en el recinto San Francisco de Rumí pamba a una a una distancia de hora y media del Cantón San Miguel Provincia de Bolívar.
El socio es un miembro de la ventanilla rural “San Francisco de Rumí pamba”. La misma que esta conformada por 25 socios en total, los cuales la mayoría se dedican a la agricultura.
José trabaja en la agricultura a partir de los 18 años y es su principal fuente económica de su familia. Dentro de los cultivos que más sobresalen en la zona son las papas, trigo, maíz. Vende los productos en los mercados de San Miguel y en su comunidad cuando llegan los comerciantes.
José solicita el crédito para comprar abonos químicos para sus cultivos. Su meta es de obtener una buena cosecha y mejorar su forma de vida de su familia. Los desafíos que enfrenta son precios baratos en tiempos de cosechas. José en sus tiempos libres le gusta jugar voleibol.

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
  • 37
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped José Agnelio purchase chemical fertilizers.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Apr 8, 2010
May 10, 2010
Currency Exchange Loss:
Jan 15, 2011