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Carlos Hernan
Carlos Hernan V. V. is 26 years old. He is single and lives with his parents in Ventanas, province of Los Ríos. He does not have children.

Carlos is a member of the "Y" solidarity group, which is located an hour and a half from Ventanas. There are 17 members altogether, who mainly work in agriculture. This is the first loan they have taken out with Cooperativa San José.

Carlos raises cows. He makes his purchases every week in Echeandia and sells the cows in Ventanas.

He is asking for the loan to invest in buying more cattle. He thinks the loan is an opportunity to get ahead. His dream is to have money to buy a vehicle for transporting the cattle. A challenge he faces is lack of money.

He likes to play soccer.
View original language description ↓
Carlos Hernan V. V., tiene 26 años. Es soltero y vive con los padres, vive en Ventanas provincia de Los Ríos. No tiene hijos.

Carlos es un socio de la ventanilla rural la “Y”, que está ubicada a hora y media de Ventanas. Son 17 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.

Carlos se dedica a la ganadería, cría vacas. Realiza sus compras cada semana en Echeandia y vende las vacas en Ventanas.

Solicita el préstamo para invertir en la compra de más ganado. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños es tener dinero para comprar un vehiculo para transportar el ganado. Enfrenta desafíos es la falta de dinero.

Le gusta jugar fútbol.

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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Carlos Hernan cattle purchases.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 19, 2010
Aug 1, 2010
Currency Exchange Loss:
Aug 15, 2011