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Jose Eduardo
Jose Eduardo G. I. is 42 years old. He lives with his common-law wife (they have no children) in the Chillanes canton in the province of Bolivar.

Jose is a member of the "Rey de Reyes" rural community bank that is about and hour and a half from Chillanes. There are 23 members all together, and the majority make a living through agriculture. This is their first loan request through Cooperativa San Jose.

Jose makes a living farming cacao. He makes his monthly purchases in the community and sells his products in the canton of Bucal.

He is requesting a loan to invest in cacao farming. He feels that the loan in a chance to get ahead. He dreams with increasing production to have a house for his family. He is faces challenges such as plagues and diseases. He likes to ride his motorcycle.
View original language description ↓
Jose Eduardo G. I. tiene 41 años. Estado unión libre y vive con su esposa, no tiene hijos, en el cantón de Chillanes en la provincia de Bolívar.

Jose es un socio de la ventanilla rural Rey de Reyes, que está ubicada a hora y media de Chillanes. Son 23 socios en total, que en la mayoridad se dedican a la agricultura. Esto es el primer préstamo que ellos sacan con la Cooperativa San José.

Jose se dedica a la agricultura, tiene sembrado cacao. Realiza sus compras cada mes en la misma comunidad sus productos los vende en el Cantón Bucal.

Solicita el préstamo para invertir en le cultivo de cacao. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños son tener más producción y tener una casa para su familia. Enfrenta desafíos como plagas y enfermedades.

Le gusta pasear en la moto.

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
  • 46
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Eduardo invest in cacao farming.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 13, 2010
Jul 24, 2010
Currency Exchange Loss:
Aug 15, 2011