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Tomas C. C. is 56 years old. He is married and lives in the village of Guaranda, in the province of Bolivar in Ecuador. He has 6 children.

Tomas lives in the rural village of Gradas Chico, about a fifteen minute drive from the city of Guaranda. The group is made up of 20 members and the majority of them cultivate corn, wheat, and potatoes and raise livestock. This is the third loan they have requested.

Tomas is an agriculturist. He has a greenhouse where he grows vegetables and tomatoes. He makes his purchases and sells his products in the market of Guaranda.

He requests a loan to cultivate plants in his greenhouse. The loan will help him find success in life. His goal over the next few years will be to provide his kids with an education so that they will be able to get good jobs. The price of his products has been driven down this year, especially for his corn and wheat harvests. It is very difficult to have an income from sales of his products.

He focuses on his work seven days a week, so he doesn't have much spare time.
View original language description ↓
Tomas C. C. tiene 56 anos. Es casado y vive en el cantón de Guaranda en la provincia Bolívar de Ecuador. Tiene 6 hijos.

Tomas es un socio de la ventanilla rural Gradas Chico, que está ubicada a quince minutos en carro de la ciudad de Guaranda. Son 20 socios en total, que en la mayoridad se dedican al cultivo de maíz, trigo, papas, y la cría de animales. Este es el tercer préstamo que sacan con la cooperativa.

Tomas se dedica a la agricultura. Tiene un invernadero donde crecen legumbres y tomate. Realiza las compras y las ventas de sus productos en el mercado de Guaranda.

Solicita el préstamo para cultivar plantas en su invernadero. El apoyo del préstamo lo ayudara en ganar la vida. Su meta para los próximos anos es darles educación a sus hijos para que puedan conseguir algún trabajo bueno. Se enfrentan los precios bajos este ano para la venta de sus cultivos, especialmente el maíz y el trigo. Por eso es difícil ganar mucho por las ventas de sus productos.

Se enfoca en su trabaja siete días a la semana, así que no tiene mucho 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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Tomas to cultivate plants in his greenhouse.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 26, 2010
Oct 1, 2010
Currency Exchange Loss:
Sep 15, 2011