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Wilmer Hernan

Update on Wilmer Hernan

Wilmer, 19, is married and lives with his wife and their 1-year old daughter in Ventanas Canton, Campo Alegre division.

The San Jacinto bank is located in Campo Alegre, near Guare parish which is part of Ventanas canton and focuses on short-cycle agricultural crops such as corn and rice.

Wilmer Hernan has planted rice and corn for the past 2 years, skills that he learned from his parents. He buys in the Jiménez Commercial Center in Ventanas and sells the products there as well.

He will use the loan to purchase seeds, fertilizers and manure to care for his plants, and they will help increase his income for his family. He dreams of having a house.

He likes sports.
View original language description ↓
Wilmer Hernan tiene 19 años es casado vive con la esposa y con la hija de 1 año de edad, vive en el Cantón Ventanas en el Reciento Campo Alegre.

Esta ventanilla SAN JACINTO, se encuentra ubicada en el recinto Campo Alegre, cerca de la parroquia Guare perteneciente al Cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz.

Wilmer Hernan se dedica a la agricultura siembra de maíz y arroz desde hace 2 años, herencia de los padres, las compras las realizan en comercial Jiménez de la ciudad de ventanas y las vende en la misma ciudad.

El préstamo lo solicita para la compra de semillas, fertilizantes y abonos para el cuidado de los cultivos, además le ayudado para aumentar los ingresos de la familia. Sueño es tener una casa.

Le gusta hacer deporte.

Previous Loan Details

Wilmer Hernan is 19 years old. He is married and lives with his wife and one year-old daughter in Ventanas canton, in Los Ríos province. The San Jacinto community bank is located in Campo Alegre, in Guare parish, in Ventanas canton. The members of this community bank work in short-cycle agri... More from Wilmer Hernan's previous loan »

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!

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 61
    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 $1,000 helped Wilmer Hernan to buy seeds, fertilizer and manure to care for his plantings and to increase the income for his family.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 2, 2011
Jan 1, 2012
Currency Exchange Loss:
Jul 27, 2012