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Henry Francisco

Update on Henry Francisco

Henry Franciso, 22, is single and has no children. He lives in a house with his grandparents in Ventanas in the province of Los Ríos.

He's a member of 26 de Noviembre Communal Bank. He moved from the Las Blancas precinct to the Achotillo precinct because it's closer to the cooperative. The precinct is in Ventanas Canton. This bank works in livestock and agriculture.

Henry Francisco makes a living growing corn, rice, and beans. He's requesting the loan to buy urea, seeds, Ranger [herbicide], and liquid weedkiller. He makes his sales in Ventanas. With the help of the loan he'll be able to buy the supplies.

His dream is to be able to have a house, a family, and a vehicle. The challenge he faces is to always work modestly and responsibly. In his free time he likes to play soccer and get together with the community.
View original language description ↓
Henry Francisco tiene 22 años de edad es soltero no tiene hijos, vive en la casa con los abuelos en ventanas provincia de los ríos.

Es integrante de la VRC 26 DE NOVIEMBRE, se traslado del recinto las blancas al recinto el Achotillo porque se encuentra más cerca de la cooperativa, El recinto pertenece al Cantón ventanas, esta ventanilla se dedica a labores pecuarias y agrícolas.

Henry Francisco se dedica a la siembra de maíz, arroz, fréjol suave, Solicita el crédito para comprar urea, semillas, ranger, líquido mata maleza. Las compras las realiza en Ventanas.

Con la ayuda del crédito podrá comprar los insumos. El sueño es poder tener una casa una familia y un vehículo. propio. Los desafíos a los que se enfrenta es trabajar siempre con humildad y responsabilidad.

En el tiempo libre le gusta practicar el futbol y ser unido con la comunidad.

Previous Loan Details

Henry Francisco, 21, is single and has no children; he lives at home with his grandparents in Ventanas, Los Ríos Province. He’s a member of the “26 de Noviembre” communal bank located in Las Blancas belonging to Ventanas Canton. This communal bank is involved in activities related to agricu... More from Henry Francisco'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
  • 31
    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 $1,400 helped Henry Francisco to buy urea, seeds, herbicide, and weedkiller.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Dec 6, 2012
Jan 1, 2013
Currency Exchange Loss:
Aug 17, 2013