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Mario Ruben
Mario Ruben N. V. is 30 years old. He lives in a common-law marrige in the canton of Chillanes in the Bolivar province. He has three children, ages 6, 3, and 2.

Mario is a member of the San Jacinto community bank. There are 15 members in all, and the majority work in agriculture.

Mario works in agriculture. He earns 140 dollars a month. He makes purchases and sells his products in Matilde.

He is applying for the loan to invest in cocoa farming. The loan will help him advance his business. His dream is to have a house, a car, and a piece of land. His greatest challenge is when the cocoa freezes.

He likes to play sports like volleyball and football. His favorite custom in his canton is the fiestas in the Val Paraíso. precinct.
View original language description ↓
Mario Ruben N. V. tiene 30 anos. Vive en union libre en el canton de Chillanes en la provincia Bolivar. Tiene 3 hijos de 6, 3, y 2 anos.

Mario es un socio de la ventanilla rural San Jacinto. Son 15 socios en total, que en la mayoridad se dedican a la agricultura.

Mario se dedica a la agricultura. Al mes gana 140 dolares. Realiza las compras y las ventas de sus productos en Matilde.

Solicita el préstamo para invertir en el cultivo de cacao. El credito lo ayudara en sacar adelante su negocio. Su sueno es tener una casa, un carro, y un terreo. Se desafia por las cuasas que cae las lanchas en el cacao.

Le gusta jugar deportes como el boli, el futbol. Su costumbre favorita de su cantón es las fiestas de Recinto Val Paraíso.

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
  • 55
    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 Mario Ruben plant cocoa.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 20, 2010
Sep 1, 2010
Currency Exchange Loss:
Aug 15, 2011