Check out some available loans that are similar to this one!
Oswaldo Clemente
Oswaldo Clemente is forty-six, married, and has two children. He lives in Chillanes in Bolivar Province with his wife and children, aged nineteen and seventeen.

The Tendal communal bank has eleven members, both men and women, and is located forty-five minutes from the cooperative.

Oswaldo Clemente earns his living in agriculture, growing cacao, bananas, plantains, and oranges. He buys supplies in San José del Tambo every fifteen days. He's seeking a loan to buy cacao plants, fertilizer, compost, and weed-killer. The loan will allow him to improve both production and his family's lifestyle.

His dream is to have his own car to transport his products. His challenge is the low price his product demands.

In his spare time, Oswaldo Clemente likes to play sports, especially soccer. He's respectful, responsible, and doesn't like party-going.
View original language description ↓
Oswaldo Clemente tiene 46 años de edad es casado tiene dos hijos, vive con la esposa y con los hijos de 19 y 17 años de edad en Chillanes Provincia de Bolívar.

La VRC TENDAL está conformada por 11 integrantes entre hombres y mujeres se encuentra ubicada a 45 minutos de la cooperativa.

Oswaldo se dedica a la Agricultura a los sembríos de cacao, guineo, plátano y naranja.

Las compras y las ventas lo hace en San José del Tambo cada quince días. Solicita el crédito para comprar plantas de cacao, fertilizantes, abonos, líquidos.

Con la ayuda del crédito podrá mejorar la producción y mejorar el estilo de vida de la familia.

El sueño es tener un carro propio para transportar los productos.
Los desafíos a los que se ha enfrentado son los bajos precios del producto.

En el tiempo libre le gusta practicar el deporte en especial el futbol, es respetuosa y responsable, no le gustan las fiestas.

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
  • 42
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Oswaldo Clemente to buy cacao plants, fertilizer, compost, and weed-killer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 20, 2011
Jan 1, 2012
Currency Exchange Loss:
Jan 15, 2013