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Jose Manuel
Jose Manuel is 59 years old, he is married, he has one child, and he lives with this wife and son (who is 20 years old) in Guaranda in the province of Bolivar.

Jose Manuel is a provider of services and he also has cattle. He is seeking a loan to buy cattle. With the help from this loan, he will be able to buy more animals and focus on raising cattle. He will buy the cattle in Guaranda.

He is dream is to be able to establish himself as a cattle dealer. In his free time he likes to work and to support his family. He also likes to rest.
View original language description ↓
JOSE MANUEL tiene 59 años de edad es casado tiene 1 hijo, vive con la esposa y con el hijo de 20 años de edad en guaranda provincia de bolívar.

JOSE MANUEL es auxiliar de Servicios, además tiene ganado. Solicita el crédito para comprar ganado vacuno.

Con la yuda del crédito podra comprar el animal para dedicarse a la ganadería. La compra lo hará en Guaranda.

El sueño es poder establecerse como ciomerciante de ganado.

En el tiempo libre le gusta seguir trabajando y apoyar a la familia. En el tiempo libre le gusta descansar.

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 $700 helped Jose Manuel to buy cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 9, 2012
May 21, 2012
Currency Exchange Loss:
Dec 15, 2012