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Julio Cesar
Julio Cesar T. M. is 36 years old. He is married and lives with his wife and one son in Guaranda Canton, in the province of Bolivar. He has 4 children.

Julio belongs to the Communal Bank "Guantucoto" that is located a half hour from Guaranda. The group works in agriculture and livestock, especially in growing corn and potatoes in the highlands, and rice in the coastal area. This communal bank has 25 members.

Julio has been devoted to agriculture for several years, growing corn and potatoes. He also has livestock and cattle that he buys in Guaranda and then later sells in the wholesale market in the same city.

He is requesting a loan to purchase agricultural inputs for planting corn and potatoes. This support would help meet his family's financial needs. They face challenges such as pests and crop diseases. His dream is to buy a vehicle and a house. He also likes to play sports and work the land.
View original language description ↓
Julio Cesar T. M. tiene 36 años. Es casado vive la esposa y con el hijo, vive en el cantón de Guaranda en la Provincia de Bolívar. Tiene 4 hijos.

Julio pertenece a la Ventanilla Guantucoto ubicada a media hora de Guaranda perteneciente, es un grupo que se dedica a la agricultura y a la ganadería especialmente a la siembra de maíz y papas en la zona de la sierra y en la zona de la costa al arroz, esta ventanilla tiene 25 miembros.

Julio se dedica a la agricultura por varios años, siembra maíz y papa, además tiene animales de cría y ganado para luego vender, las comprar las realiza en Guaranda y vende en el mercado mayorista de la misma ciudad.

Solicita el crédito para la compra de insumos para la siembra maíz, papa. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades de la familia. Enfrentan desafíos como plagas y enfermedades en los cultivos. Su sueño es comprar vehiculo y comprar casa.
Le gusta hacer deporte y trabajar en la tierra.

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
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $25,592,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Julio Cesar to buy agricultural inputs for planting corn and potatoes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 27, 2010
Nov 9, 2010
Currency Exchange Loss:
Nov 16, 2011