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Carlos Tomas

Update on Carlos Tomas

Carlos Tomas, age 20, is in a common-law marriage. He lives with his wife and their son in the Caimito precinct in the Ventanas canton.

The ‘La Verdad Nos Hará Libres’ [The Truth Will Make Us Free] communal bank is located in the Caimito 1 precinct of Ventanas canton. The members of this communal bank work in short-cycle agriculture, growing corn, rice, and vegetables.

Carlos Tomas grows corn and rice. He buys his products in Ventanas and sells them at the same place.

The requested loan is for buying seeds, supplies, fertilizers, urea, and manure for growing corn. The loan will help him to achieve his planting goal, and it will help him buy agricultural products for sowing.

His dream is to be able to buy more land to sow and to improve the income from the sale of his harvest.

In his free time Carlos Tomas likes to play sports and listen to music.
View original language description ↓
Carlos Tomas tiene 20 años de edad de estado civil union libre y vive con la conyugue y el hijo. Vive en el Recinto Caimito en el Cantón Ventanas.

La ventanilla LA VERDAD NOS HARA LIBRES se encuentra ubicada en el Recinto Caimito 1, perteneciente al cantón Ventanas, esta ventanilla se dedica a labores agrícolas de ciclo corto siembre de maíz y arroz, legumbre.

Carlos Tomas se dedica a la agricultura a la siembra de maíz, arroz. Compra sus productos en Ventanas y las vende en la mismo lugar.

El crédito solicito para la compra de semillas, insumos, fertilizantes, urea, abonos para la siembra del maíz. El préstamo le ayudado para cumplir con la meta de sembrar y comprar los productos agrícolas para las siembras. El sueño es poder comprarse mas terrenos para sembrar y mejorar los ingresos en la venta de la cosecha.

En los tiempos libres le gusta hacer deporte y escuchar música.

Previous Loan Details

Carlos Tomas is 19 years old, single, and lives with his parents and one year-old son. He lives in the Caimito precinct of Ventanas canton. The "La Verdad Nos Hará Libres" ["The Truth Will Make Us Free"] communal bank is located in Caimito precinct of Ventanas canton. The members of this commu... More from Carlos Tomas'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
  • 75
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carlos Tomas to buy seeds, supplies, fertilizers, urea, and manure for growing corn.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Dec 6, 2012
Dec 27, 2012
Currency Exchange Loss:
Aug 17, 2013