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Freddy Wilmer
Freddy Wilmer, age 23, is in a common-law marriage and does not have children. He lives in the Ventanas province in Los Ríos.

He is a member of the Avanza communal bank. The members are farmers, and all of them live in the Aqua Frías precint. Virtually all of them were raised in this area. For the most part, they work in agriculture or with livestock.

Freddy Wilmer grows corn, cacao, and rice. He is requesting the loan to buy seeds, insecticides, urea, liquid weed killer, and cacao plants. With the help of the loan he will be able to buy fertilizers and the plants for sowing.

He will make his purchases and his sales in the city of Ventanas in the Los Ríos province. The challenges he faces are pest infestations and bad weather.

His dream is to grow a lot, and to invest in agriculture. In his free time he likes to play sports.
View original language description ↓
FREDDY WILMER tiene 23 años de edad de estado civil unión libre no tiene hijos, vive en Ventanas Provincia de los Ríos.

Es integrante da la VRC AVANZA sus miembros se dedican a la Agricultura todos viven en el Sector del Recinto Agua Frías, prácticamente se han criado en esa zona, se dedican a Labores agrícolas u pecuarias en su mayoría.

FREDDY WILMER se dedica a la agricultura a la siembra de maíz, cacao, arroz. Solicita el crédito para comprar semillas, insecticidas, urea, líquido mata maleza, plantas de cacao. Con la ayuda del crédito podrá comprar los fertilizantes y las plantas 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 crecer mucho, invertir en la agricultura. En el tiempo libre le gusta parcticar el 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
  • 33
    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 $600 helped Freddy Wilmer to buy seeds, insecticides, urea, liquid weed killer, and cacao plants.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Oct 26, 2012
Nov 20, 2012
Currency Exchange Loss:
Jul 17, 2013