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Wilner Oswaldo
Wilner Oswaldo D. T. is 31 years old. He has two sons, six year old Bryan and three year old Jairon. He is in a common law marriage, and he lives in the Chillanes canton in the Bolívar province.

Wilner is a member of the Santa Rosa Communal Bank, which is one and a half hours from the Cillanes canton. There are 18 members in all. Most of them have their own businesses. This is their first loan with the Cooperativa San José.

Wilner works in agriculture. He makes his purchases and sales in the Merced market in Chillanes.

He is requesting the loan to invest in agriculture. His dream is to build a house for his children.

In his free time he likes to play soccer and run.
View original language description ↓
Wilner Oswaldo D. T. tiene 31 años. Tiene 2 niños, Bryan (6) y Jairon (3), y vive en unión libre en el cantón de Chillanes en la provincia de Bolívar.

Wilner es un socio de la ventanilla rural Santa Rosa, que está ubicada a una hora y media del cantón Chillanes. Son 18 socios en total, que en la mayoridad tienen sus propios negocios. Esto es el primer préstamo que ellos sacan con la Cooperativa San José.

Wilner se dedica a la agricultura. Realiza sus compras y ventas en el mercado la Merced en Chillanes.
Solicita el préstamo para invertir en la agricultura. Su sueño es hacer una casa par sus hijos.

Le gusta jugar fútbol y correr en su tiempo libre.

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
  • 28
    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 $600 helped Wilner Oswaldo invest in agriculture.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 23, 2010
Jul 5, 2010
Currency Exchange Loss:
Jul 15, 2011