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Sayro Joel

Update on Sayro Joel

Sayro Joel is 21 years old and lives with his common law wife, with whom he has a daughter. They live in the city of Ventanas in Los Rios Province.

Sayro Joel is a member of Jerusalen Communal Bank, which is located in Caimito I precinct, belonging to Puerto Pechiche parish, in Puebo Viejo canton. This communal bank is dedicated to agriculturists who do short cycle farming of corn, rice and pigeon peas.

He cultivates corn and rice. He is requesting a loan to purchase insecticides, urea, liquid weed killer and compost. With help from the loan he will be able to purchase fertilizer for his fields. He will make his purchases and sales in the city of Ventanas, in Los Rios Province. The challenges he faces are pest infestations and bad climate.

He dreams of having his own house, of buying a farm and of improving his income. In his free time he enjoys sharing with his family and playing indoor games and having fun with his friends.

Sayro Joel is very grateful for the help he received in his previous loan because he was able to buy what he needed for his fields and improved his family’s income.
View original language description ↓
Sayro Joel tiene 21 años de edad de estado civil unión libre tiene una hija, vive con el conyugue y la hija en la ciudad de Ventanas Provincia de los ríos.

Es integrante da la VRC JERUSALEN, se encuentra ubicada en el recinto el Caimito I, perteneciente a la parroquia Puerto Pechiche Cantón pueblo Viejo, Esta Ventanilla se dedica labores agrícolas de ciclo corto siembra de maíz, arroz, frejol Gandul.

Sayro Joel se dedica a la agricultura a la siembra de maíz, arroz. Solicita el crédito para comprar insecticidas, urea, líquido mata maleza, abonos. Con la ayuda del crédito podrá comprar los fertilizantes para las siembras.
Las compras y las ventas las realizará en la ciudad de Ventanas Provincia de los ríos. Los desafíos a los que se enfrenta son las plagas y el mal clima.

El sueño es tener casa propia, comprar una finca y mejorar los ingresos. En el tiempo libre le gusta compartir en familia y jugar indor y divertirce con los amigos.

"Esta muy agradecido por la ayuda del anterior crédito porque pudo comprar lo necesario para las siembras y mejorarón los ingresos para la familia."

Previous Loan Details

Sayro is 20 years old, in a common-law marriage, and has no children. He lives with his parents and his wife in the canton of Ventanas in Los Ríos Province. The Communal Bank “Jerusalen” (Jerusalem) is located in the neighborhood of El Caimito, which is part of Puerto Pechiche parish in the can... More from Sayro Joel's previous loan »

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!

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 33
    View loans »
    Ecuador Loans Fundraising
  • $26,708,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sayro Joel to purchase insecticides, urea, liquid weed killer and compost.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Oct 30, 2012
Nov 20, 2012
Currency Exchange Loss:
Aug 17, 2013