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Josè Joaquín
Josè Joaquín M. C. is 50, married, and he lives with his wife and 2 children in the Chillanes canton, Bolivar province.

The members of the V.R.C. Vall Paraiso are located 120 minutes from the Chillanes office, in Chillanes province. This rural group has been doing agricultural work for a long time in the short cacao growing season.

Josè Joaquín has been planting cacao for 2 years. He buys his products in Matilde Esther and sells them in the Chillanes market and in the same fairground.

He is requesting a loan to buy agricultural supplies and fertilizers for cacao cultivation. The financing will help him cover his expenses. He has to deal with plagues and diseases and the variation in the weather. He dream is to work hard.

He likes to have friends.
View original language description ↓
Josè Joaquín M. C. tiene 50 años. Es casado, vive con la esposa y con los hijos, vive en el cantón de Chillanes en la Provincia de Bolívar. Tiene 3 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.

Josè Joaquín 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 esforzarse mucho.

Le gusta tener amistades.

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
  • 70
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Josè Joaquín agricultural supplies and fertilizer for cacao cultivation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 11, 2010
Dec 1, 2010
Currency Exchange Loss:
Dec 15, 2011