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Víctor Manuel
Víctor Manuel is 38 years old. He is single and lives with his child in the Ventanas canton in Provincia de los Ríos. He has one 13-year-old daughter.

The V.R.C. Valle Alto [Valle Alto community bank] is located in the Voluntad de Dios precinct of the Ventanas canton. This community bank is devoted to short cycle maize and rice growing agricultural works.

Victor makes his living in agriculture, growing maize and rice. He buys his products in the Peña Store and sells his products at the Ventanas wholesale market.

He is requesting the loan to plant maize and rice, purchasing supplies and fertilizers for the crops. The support from this loan would help him economically to improve his production and supplement his needs. His dream is to buy a plot of land for his child. He faces the challenges of drought.

He likes to work and play sports.
View original language description ↓
Víctor Manuel tiene 38 años, es soltero vive con su hijo, en el Cantón Ventanas Provincia de los Ríos. Tiene 1 hija Katherine de 13 años.

Los miembros de la V.R.C. VALLE ALTO, se encuentra ubicada en el recinto Voluntad de Dios en el Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra maíz y arroz.

Víctor se dedica a la agricultura a la siembra de maíz, arroz, Compra sus productos en el Comercial Peña y vende sus productos en el mercado mayorista de ventanas.

Solicita el crédito para sembrar maíz y arroz, compra de insumos y fertilizantes para los cultivos. Con el apoyo del crédito le ayudaría económicamente para mejorar su producción y suplir sus necesidades. Su sueño es comprar un terreno para su hijo. Enfrenta el desafío de la sequia.

Le gusta trabajar y practicar 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
  • 31
    View loans »
    Ecuador Loans Fundraising
  • $26,478,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Víctor Manuel tpo buy supplies and fertilizers fro his crops.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 23, 2011
Jul 12, 2011
Currency Exchange Loss:
Jan 15, 2012