A loan of $1,000 helped to buy organic and chemical fertilizers, and herbicide for weed control.


Julio Moises's story

Julio Moises is 22, married, and lives with his wife and children in Guaranda, in Bolívar province.

The Emmanuel communal bank is made up of 12 members, who live in the settlement of San Juan de Llullundongo, which is part of Guaranda canton. San Juan de Llullundongo is located 40 minutes from the branch office.

Julio is a farmer, and grows potatoes, corn, lima beans, and also raises chickens and cattle.

He is applying for the loan to buy chemical and organic fertilizers, and herbicide for weed control. He does his purchasing, and makes his sales in Guaranda weekly, and at harvest time.

His dream is to be able to have his own business selling organic fertilizer. The challenge he faces is competition. In his free time he likes to play soccer and enjoy the days of carnival.

He is thankful for the previous loan, because it has really helped him to succeed for the family's benefit.

Translator profile picture

Translated from Spanish by Kiva volunteer Jeff Goldie



Loan details


Lenders and lending teams



Loan details