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Alfredo Javier
Alfredo Javier is 41 years old, married, and lives with his wife and children (ages 14, 6, and 9 months) in the canton of Ventanas in Los Ríos Province.

The members of the Communal Bank “Tierra Nuestra” (Our Land) meet in the neighborhood of San Luis de Zapotal, which is part of the canton of Ventanas. This Communal Bank consists of short-cycle farmers who grow corn and rice.

Alfredo is a farmer who grows corn and rice. He buys his products at the AGRIPAC commercial center and sells at the wholesale market in Ventanas.

The loan he is requesting will be used for planting corn and rice. He plans to buy seeds and compost for his corn and rice crops. With the financial assistance provided through this loan, he will be able to acquire needed supplies. The challenges he faces include diseases that could impact his crops and the lack of money to pay for more workers. His dreams include making improvements to his house and providing for his children’s education.

Alfredo enjoys playing soccer and spending time with his children.

View original language description ↓

Alfredo Javier tiene 41 años, Es casado vive con la esposa y con los hijos de 14, 6 años y 9 meses, en el Cantón Ventanas Provincia de los Ríos.

Los miembros de la V.R.C. TIERRA NUESTRA, se encuentra ubicada en el recinto San Luis de Zapotal, perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto como siembre de maíz y arroz.

Alfredo se dedica a la agricultura a la siembra de maíz y arroz. Compra sus productos en Comercial AGRIPAC y los vende en el mercado mayorista de Ventanas.

Solicita el crédito para sembrar maíz y arroz, compra de semillas y abonos de maiz y arroz. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrenta desafíos como plagas en los cultivos y la falta de dinero para pagar a mas trabajadores. Su sueño es mejorar la casa y dar el estudio a los hijos.

Le gusta jugar futbol y pasar con los hijos.

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
  • 24
    View loans »
    Ecuador Loans Fundraising
  • $26,466,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Alfredo Javier to purchase seeds and compost for planting corn and rice.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 8, 2011
Aug 1, 2011
Currency Exchange Loss:
Feb 15, 2012