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Oscar Oswaldo
Oscar Oswaldo is 49, married, and has three children. The family lives together in the Montalvo canton, Los Rios province. Oscar Oswaldo is a member of the Embarcadero Chico communal bank. Group members cultivate cocoa, oranges, banana, yucca, and plantains, and also raise animals.
Oscar Oswaldo cultivates cocoa and plantains. He is requesting this loan for the purchase of cocoa and orange plants, fertilizers, insecticides, and weed killer.
With the help of this loan, he will have the opportunity to have better crops after tending to the land.
Oscar Oswaldo buys and sells his products in the Caluma and Montalvo cantons every week. His dream is to improve his lifestyle, and to buy a vehicle for the farm labour.
Challenges include the climate and general maintenance of his activities.
In his free time, he enjoys playing sports, playing volley ball and participating in carnivals.
View original language description ↓
Oscar Oswaldo tiene 49 años de edad es casado tiene tres hijos, vive con su esposa e hijos en el Cantón Montalvo Provincia de Los Ríos. Pertenece a la Ventanilla rural de Embarcadero Chico se dedican al cultivo de cacao, naranja, guineo, orito, yuca, plátano y a la cría de animales.

Oscar Oswaldo se dedica al cultivo de cacao y plátano.Solicita el crédito para poder comprar plantas de cacao y naranja, fertilizantes, insecticidas, mata monte.

Con la ayuda del crédito tendría más oportunidad de tener buenos cultivos al hacer la limpieza de la huerta.

Las compras y ventas de productos las realiza con frecuencia en el Cantón Caluma y Montalvo cada semana. El sueño es mejorar su estilo de vida, comprar un vehículo para realizar las actividades laborales.

Los desafíos a los que se enfrenta son a problemas climáticos y hacer todo lo posible por mantener sus actividades.
En el tiempo libre le gusta hacer deporte, jugar bolle y participar en comparsas.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Oscar Oswaldo to buy cocoa plants, orange plants, fertilizers, insecticides, and weed killer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 11, 2012
May 4, 2012
Currency Exchange Loss:
May 17, 2013