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Alvaro Rafael
Alvaro Rafael is 22 years old, and is single without children. He lives with his family in Chimbo, in the Province of Bolívra. Alvaro Rafael is a carpenter, and is requesting this loan in order to purchase necessary materials for his work, such as: wood, nails and paint.

He buys materials in Riobamba, and the challenge he currently faces in his business is competition. His dream is to continue working and growing his business, and in his free time he likes to play soccer.
View original language description ↓
ALVARO RAFAEL tiene 22 años de edad es soltero no tiene hijos, vive con los famililares en Chimbo Provincia de Bolívra.

ALVARO RAFAEL el es carpintero. Solicita el crédito para poder comprar madera, clavos, pintura.

Con la ayuda del crédito podra comprar lo necesario para comprar el material necesario para poder trabajar.

Las compras lo hará en Riobamba.

El desafío al que se endrenta es la competencia.

El sueño e spoder seguir trabajando. En el tiempo libnre le gusta jugar 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
  • 31
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Alvaro Rafael to purchase wood, nails and paint.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 21, 2012
May 29, 2012
Currency Exchange Loss:
Dec 20, 2013