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Fernando Jovany
Fernando Jovany is 53 years old, married, and has 3 children, ages 28, 25, and 23. He lives in San Miguel, Bolivar Province. Fernando plants and raises corn. He is requesting a loan to buy manure, fertilizers, urea, and insecticides, and to pay laborers.

With the assistance provided by this loan he will be able to buy what he needs to assure that his crop will be in good condition. Fernando will make his purchases in San Miguel. The challenges he faces include plant diseases and bad weather. Fernando's dream is to boost production by means of a good irrigation system.

In his free time he likes to play indoor football with his friends.
View original language description ↓
FERNANDO JOVANY tiene 53 años de edad es casado tiene tres hijos de 28, 25,23 años de edad viven en san miguel provincia de bolívar.

FERNANDO JOVANY se dedica a la siembra al cultivo de maíz. Solicita el crédito para comprar abono, fertilizantes, urea, insecticidas y pagar al jornalero.

Con la ayuda del crédito podrá comprar lo que necesita para que los cultivos esten en un buesn estado.

Las compras lo hará en San miguel. Los desafíos a los que se enfrenta son las plagas y el mal tiempo.

El sueño es poder tener mayor producción con un buen sistema de riego.

En el tiempo libre le gusta juugar con los amigos indor futbol.

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
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $26,686,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Fernando Jovany to buy manure, fertilizers, urea, and insecticides, and to pay laborers.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 15, 2012
May 29, 2012
Currency Exchange Loss:
Apr 18, 2013