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Livingston Javier
Livingston is 21 years old, single and lives with his parents in the village of Ventanas, province of Los Rios. He does not have any children. Livingston is a member of the Valle Alto community bank, which is located in Recinto Voluntad de Dios, an hour and half from Ventanas. There are 23 members total, the majority of whom make a living in agriculture. This is the second loan they have taken out with Kiva partner Cooperativa San José. Livingston makes a living planting rice, corn and beans. He makes his purchases every month in the towns of Ventanas and Peña and makes his sales in the same places. He is requesting the loan to invest in the purchase of seeds for rice, corn and beans. He thinks the loan is an opportunity to make headway. His dreams are to buy a house and pursue his studies. His crops face challenges like pests. Livingston enjoys playing indoor soccer.
View original language description ↓
Livingston Javier A. R., tiene 21 años. Es soltero y vive con los padres, vive en Ventanas provincia de Los Ríos. No tiene hijos.

Livingston es un socio de la ventanilla rural la “Valle Alto”, que está ubicada en el Recinto Voluntad de Dios a hora y media de Ventanas. Son 23 socios en total, que en la mayoridad se dedican a la agricultura. Esto es el segundo préstamo que ellos realizan en la Cooperativa San José.

Livingston se dedica a la agricultura, siembra arroz, maíz y fréjol. Realiza sus compras cada mes en la ciudad de Ventanas en Fertiza y en el comercial Peña y las vende en la misma localidad.

Solicita el préstamo para invertir en la compra de semillas de arroz, maíz y fréjol. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños es comprar una casa y salir adelante en los estudios. Enfrenta desafíos como las plagas.

Le gusta jugar indor y dolí.

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
  • $26,684,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Livingston Javier purchase seeds for rice, corn and beans.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 20, 2010
Sep 1, 2010
Currency Exchange Loss:
Feb 15, 2011