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Dalberto Bayron
Dalberto Bayron C. P. is 22 years old. He is single and, with his mother and one brother, lives in the region of Ventanas in the Los Ríos Province. He doesn't have children. The members of the VRC EI LA UNION are located in the Aguas Frías precinct, which belongs to the Ventanas region. This communal bank works at agricultural activities and during the season sows maize, rice, and beans. The members have been doing this activity for a long time. Dalberto has worked in agriculture, namely maize, rice, and beans, for 3 years. He purchases his products in Ventanas and sells them in the Ventanas market and in the same precinct. He is seeking this loan to purchase agricultural inputs and fertilisers for his crops. The support of the loan will help him economically to supplement his necessities. He faces challenges such as plagues and diseases and a variable climate. Dalberto's dream is to purchase a house. He enjoys playing sport.
View original language description ↓
Dalberto Bayron C. P. tiene 22 años. Es soltero con la madre y un hermano, vive en el cantón de Ventanas en la Provincia de Los Ríos. No Tiene hijos.

Los miembros de la V.R.C. El LA UNION se encuentra ubicada en el recinto Aguas Frías, perteneciente al cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz, arroz y fréjol, esta actividad llevan mucho tiempo haciéndolo.

Dalberto se dedica a la agricultura especialmente a la siembra de maíz, arroz y fréjol desde hace 3 años. Compra sus productos en Ventanas y los vende en la feria de Ventanas y en el mismo recinto.

Solicita el crédito para la comprar de insumos agrícolas y fertilizantes para los cultivos. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentan desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es comprar una casa.
Le gusta hacer deporte.

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
  • 60
    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 $800 helped Dalberto Bayron agricultural inputs and fertilisers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Nov 19, 2010
Nov 25, 2010
Currency Exchange Loss:
Jun 15, 2011