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Francisco Efrain
Francisco Efraín, 47, is in a common law relationship and has a 15-year-old son; he lives with his wife and son in the city of Ventanas, Los Ríos Province. He’s a member of the “Bruniquilde” communal bank located in Recinto Calabi that belongs to Ventanas Canton; they work in agriculture.

Francisco Efraín grows corn, broad beans and rice. He requests the loan to buy seeds, supplies, fertilizer, urea, manure and weed killer. He will make his purchases in Ventanas every 20 days. With help from the loan he will be able to buy the supplies.

The challenge he faces is to not fail his family and his dream is to work to have opportunities in life. In his free time he likes to get together with his family and friends.
View original language description ↓
FRANCISCO EFRAIN tiene 47 años de edad de estado civil unión libre tiene 1 hijo de 15 años de edad, vive con la esposa y el hijo en la Ciudad de ventanas provincia de los Ríos.

Es Integrante de la VRC BRUNIQUILDE, se encuentra ubicada en Recinto Calabi, Pertenece al Cantón Ventanas se dedican a labores Agrícolas.

FRANCISCO EFRAIN se dedican a la agricultura a la siembra de maíz, fréjol, arroz. Solicita el crédito para comprar semillas, insumos, fertilizantes, urea, abonos, líquido mata monte.

Las compras de los productos las realizará en la ciudad de Ventanas cada 20 días. Con La ayuda del crédito podrá comprar los insumos.

Enfrenta desfíos es no fallar a la familia. El sueño es trabajar para tener oportunidades en la vida. En el tiempo libre le gusta reimitce con la familia y amigos.

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
  • 40
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Francisco Efrain to buy seeds and farm supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 15, 2012
Sep 6, 2012
Currency Exchange Loss:
Mar 15, 2013