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José Luís
José Luís B. is 27 years old. He lives with his partner and children in Bolívar province. He has two children.

The 'Calzado Solidario' community bank is located in El Calzado, in San Miguel canton, half an hour from our offices. This bank has 12 members who work in short-cycle agriculture, growing corn, potatoes and beans, and raising farmyard animals and cattle.

José Luís is a farmer who grows corn, potatoes and beans. He also raises farmyard animals. He buys his products in San Miguel market every week and sells his products in the market in San Miguel every Thursday.

José Luis is requesting this loan to buy seeds, and to buy feed for his animals. The support of this loan will help him to financially cover his needs. He faces challenges in his business such as insect infestations, plant diseases and changes in the weather. His dream is to prosper financially and to own his own business.

José Luis enjoys spending time with his family.
View original language description ↓
José Luís B. tiene 27 años, Vive en Unión Libre vive con la compañera y con los hijos Provincia de Bolívar. Tiene 2 hijos.

Los miembros de la V.R. C CALZADO SOLIDARIO se encuentra ubicada en el recinto el Calzado pertenece al Cantón San Miguel, a media hora de la oficina esta ventanilla de 12 miembros se dedica a las labores agrícolas en ciclo corto de siembra maíz, papas fréjol, y a la cría de animales de corral y ganado vacuno.

José Luís se dedica a la agricultura a la siembra de maíz, papas, fréjol y a la cría de corral. Compra sus productos en el mercado de San Miguel cada semana y los vende en la feria de los jueves en San Miguel.

Solicita el crédito para la comprar de semillas de sus cultivos y comprar comida para los animales. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es prosperar económicamente y tener su negocio propio.

Le gusta pasear con la familia.

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 $1,200 helped José Luís to buy seeds and to buy feed for his animals.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2011
Mar 16, 2011
Currency Exchange Loss:
Jan 15, 2012