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Luís Marcelo
Luis Marcelo A. R. is 25 years old and lives in a common-law-marriage in the San Miguel canton in the Bolívar province. He has a 1 year old daughter: Dóminique Nicole.

Luís is a member of the rural Santiagopamba window, located in San Pablo, a half hour from the town of San Miguel. The people in this window work in agriculture, as it is a source of income for their families. Luís works in agriculture, in planting corn and also works as a public employee. He makes purchases in San Pablo and makes sales to traders in the field.

Luís is seeking a loan for the implementation and improvement of a center for computers and telephones. He says that the loan would help him greatly to purchase goods for local computers and cubicles. His goal is to grow the business and acquire more computers. The challenge he faces is competition with other commercial locations. His hobby is playing sports such as indoor soccer and volleyball.
View original language description ↓
Luís Marcelo A. R. tiene 25 años de edad y vive en unión libre, en el cantón de San Miguel en la provincia de Bolívar. Tiene una hija de 1 año: Dóminique Nicole.

Luís es un miembro de la ventanilla rural Santiagopamba, que se encuentra en San Pablo, a media hora del pueblo de San Miguel. La ventanilla esta compuesta por personas que en su mayoría se dedican a la agricultura, como fuente de ingresos de su familia.

Luís se dedica a la agricultura, en la siembra de maíz, y también trabaja como empleado publico. Realiza las compras en San Pablo y las ventas a los comerciantes en el terreno.

Luís solicita el préstamo para la implementación y el mejoramiento de un centro de computadores y cabinas telefónicas. Dice que el crédito le ayudaría mucho para realizar la compra de mercadería para el local de computadoras y cabinas. Su meta es ampliar su negocio y adquirir más computadores.

Los desafíos que el enfrenta es la competencia con los demás locales comerciales.

Su hobby es practicar deportes como indoor fútbol y 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
  • 38
    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 Luís Marcelo for the implementation and improvement of a center for computers and telephone cubicles.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 7, 2010
Jun 23, 2010
Currency Exchange Loss:
Jul 15, 2011