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Jose Marcelo
Jose Marcelo is 30 years old, single, and lives with his parents in Chillanes, Bolivar Province. He has no children.

The San Isidro Communal Bank consists of 10 members and is located in the canton of Chillanes, which is 45 minutes from the offices of Cooperativa San Jose. The members of this Communal Bank engage in agriculture, such as growing corn, blackberries, and beans.

Jose Marcelo is a farmer who grows corn, blackberries, and beans. He will use this loan to buy urea, fertilizers for his crops, as well as seeds. He purchases his supplies at the Silva Market and sells his products at the Sunday fair in Chillanes. His dream is to have money to buy a house and a vehicle for his work.

Jose Marcelo enjoys playing sports.

View original language description ↓
Jose Marcelo tiene 30 años es soltero vive con los padres no tiene hijos. Vive en Chillanes Provincia de Bolivar.

La ventanilla SAN ISIDRO esta conformada por 10 socios, esta ubicada en el Canton Chillanes a 45 minutos de la oficina esta ventanilla se dedica a la agricultura a la siembra de maiz, mora y frejol.

Jose Marcelo se dedica a la agricultura a la siembra de maiz, mora y frejol el credito va utilizar en la compra de urea, fertilizantes para los cultivos, comprar de semillas.

Las compras las realiza en Comercial Silva y las vende en la feria de los domingos en Chillanes. El sueño de Jose Marcelo es tener dinero para comprar una casa y un vehiculo para el trabajo.

Le gusta hacer 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
  • 62
    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 $1,200 helped Jose Marcelo to buy urea, fertilizers, and seeds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 27, 2012
Mar 5, 2012
Currency Exchange Loss:
Feb 15, 2013