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Jose Manuel

Update on Jose Manuel

José Manuel is 24 years old and lives with his common-law wife and daughter in Recinto Aguas frías de Mocache, Cantón Mocache.

The office of "El Progresso" is located in the same area and assists farmers who grow rice and corn in short growing cycles.

José Manuel is one such farmer. He buys and sells his products in Mocache. He will use the loan funds in order to buy seeds, fertilizer and compost for his crops. The loan will help him to increase his income for the well-being of his family. His dream is to have his own farm.

He very much enjoys spending his free time with his family.
View original language description ↓
José Manuel tiene 24 años de estado civil actual uniòn libre tiene una hija, vive con la conyugue en la hija en el Recinto Aguas frías de Mocache, Cantón Mocache.

Ventanilla EL PROGRESO se encuentra ubicada en el Recinto Aguas Frías de Mocache, perteneciente al cantón Mocache, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz, arroz.

José Manuel se dedica a la agricultura a la siembra de maíz y arroz. Compra y vende sus productos en Mocache.

El crédito solicito para la compra de semillas, urea, fertilizantes y abonos para los cultivos. El préstamo le ayudado para aumentar los ingresos para el bienestar de la familia. El sueño es tener una finca.

Disfruta mucho en sus tiempos libres pasiando con la familia.

Previous Loan Details

23-year-old José Manuel is single and lives with his parents. He lives in Recinto Aguas Frías de Mocache, in Cantón Mocache, and he has one daughter. The community bank 'El Progreso' is located in Recinto Aguas Frías de Mocache, and the members work with short cycle agriculture, growing corn a... More from Jose Manuel'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
  • 30
    View loans »
    Ecuador Loans Fundraising
  • $26,524,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Jose Manuel to buy seeds, fertilizer and compost for his crops.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 3, 2012
Dec 19, 2012
Currency Exchange Loss:
Jul 19, 2013