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Juan Carlos
Juan Carlos V. A. is 31 years old. He lives in a common law marriage with a companion and his children. He lives in the Chillanes canton in the province of Bolívar. He has 2 children.

The members of the rural community bank VALL PARAISO are found 120 minutes from the Chillanes office, which belongs to the Chillanes canton. This bank is dedicated to short cycle agricultural work. He grows cacao, and has been doing this for a long time.

Juan Carlos works in agriculture and has been growing cacao for 2 years. He buys his products in Matilde Esther and sells them in the Chillanes market and in the same community.

He is asking for the loan to buy agricultural materials and fertilizers to grow cacao. The support of the loan will help him meet his financial needs. He faces challenges such as pests and diseases and weather variation. His dream is to buy a house for his children.

He likes to have friends and listen to music.
View original language description ↓
Juan Carlos V. A. tiene 31 años. Vive en Unión Libre, vive con la compañera y con los hijos, vive en el cantón de Chillanes en la Provincia de Bolívar. Tiene 2 hijos.

Los miembros de la V.R.C. VALL PARAISO se encuentra ubicada 120 minutos de la Oficina Chillanes, perteneciente al cantón Chillanes, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de cacao, esta actividad llevan mucho tiempo haciéndolo.

Juan Carlos se dedica a la agricultura a la siembra de cacao desde hace 2 años. Compra sus productos en Matilde Esther y los vende en la feria de Chillanes y en el mismo recinto.

Solicita el crédito para la comprar de insumos agrícolas y fertilizantes para el cultivo de cacao. 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 para los hijos.

Le gusta tener amigos y escuchar música.

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
  • 43
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Juan Carlos agricultural materials and fertilizers to grow cacao.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 11, 2010
Dec 3, 2010
Currency Exchange Loss:
Dec 15, 2011