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Jaime Ernesto
Jaime Ernesto is 29 years old, married, has two children and lives with his wife and children in the city of Guaranda in the province of Bolívar.

Jaime Ernesto has a bakery, and in his free time he works in housing construction.

He is asking for a loan in order to buy flour, cheese, and gas cylinders. With the help of a loan he could buy the supplies that he needs in order to make the bread to sell.

The challenge that he faces is to save in order to buy a house. His dream is for his family to get ahead. In his free time he likes to play sports.
View original language description ↓
JAIME ERNESTO tiene 29 años de edad es casado tiene dos hijos, vive con la esposa y con los hijos en la ciudad de Guaranda provincia de Bolívar.

Jaime Ernesto tiene una panadería, además en los tiempos libres se dedica a realizar construcciones de vivienda.
Solicita el crédito para comprar harina, queso, cilindros de gas.

Con la ayuda del crédito podrá comprar la mercadería que tanta falta le hace para poder realizar el pan para vender.

El desafío al que se enfrenta es ahorrar y comprar una casa. El Sueño es poder salir adelante con la familia. En el tiempo libre le gusta hacer deporte.

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
  • 60
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jaime Ernesto to buy flour, cheese, and gas cylinders so that he will have what he needs to bake bread to sell in his bakery.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 10, 2012
Sep 26, 2012
Currency Exchange Loss:
Oct 18, 2013