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German Julio
German Julio is 55 years old and lives with his common-law wife. He has two children. He lives with his wife and his 33-year-old and 29 year old sons in Ventanas canton, in Los Ríos province.

The San Nicolas community bank is located in San Nicolás, in Puerto Pechiche parish, in Pueblo Viejo canton. The members of this bank work in short-cycle agriculture, growing corn.

German is a farmer who grows corn, rice and beans. He makes his purchases and sales in San Jacinto. He is requesting this loan to invest in his farming, buying seeds and farming supplies such as urea, Matamonte (a herbicide), fertilizers and weedkillers, to keep his crops in good condition so that he can later sell them at a good price.

This loan will help German a lot as he will be able to invest in his farming and thereby increase his production. The frequent challenges that he faces are competition, pests and crop diseases. His dream for the next five years is to buy a house in which to live with his family and a car for transporting his produce.

In his free time, German enjoys playing indoor soccer.
View original language description ↓
German Julio tiene 55 años de edad vive en unión libre tiene dos hijos, vive con la esposa y con los hijos de 33 y 29 años de edad en el Cantón Ventanas Provincia de los Ríos.

LA VRC SAN NICOLAS, se encuentra ubicada en el Recinto San Nicolás, Parroquia puerto Pechiche Perteneciente al Cantón Pueblo Viejo, Esta Ventanilla se dedica a labores agrícolas de ciclo corto Siembra de maíz.

German se dedica a la agricultura a la siembra de maíz, arroz, fréjol las compras y las ventas las realiza en san Jacinto. Solicita el Crédito para invertir en la agricultura, comprar semillas e insumos agrícolas como urea, mata monte, fertilizantes, veneno para la maleza para mantener en buenas condiciones los cultivos y posterior venderlos a un buen precio.

El Crédito será de mucha ayuda porque podrá invertir en la agricultura para aumentar la producción.
Los desafíos que se le presenta muy frecuente son: la competencia, las plagas, enfermedades que se dan en los cultivos. El sueño para los próximos 5 años es comprarse una casa para vivir con la familia y un carro para transportar los productos.
En los tiempos libres le gusta jugar indor.

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
  • 41
    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 $800 helped German Julio to buy seeds and farming supplies such as urea, Matamonte (herbicide), fertilizers and weedkiller.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Oct 6, 2011
Oct 24, 2011
Currency Exchange Loss:
Aug 16, 2012