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Julio Alfredo
Julio Alfredo is twenty-five years old, is single, and has one son. He lives with his son in his parent's house in the city of Ventanas, in the province of Los Ríos.

The communal bank La Paulina is located in the Puerto Pechiche parish, in the district of La Paulina. This area belongs to the Pueblo Viejo region. The communal bank members make a living working in agriculture and livestock.

Julio Alfredo works in agriculture, particularly in growing corn and rice. He also raises hens and ducks. He is requesting a loan in order to buy seeds, urea, manure , insecticide, organic fertilizer, and Ranger (a type of herbicide).

With the help of the loan, he will be able to buy what is necessary for planting the corn and rice. All of the buying and selling he does in the city of Ventanas.

His dream is to buy a house. In his free time, he likes to play sports.
View original language description ↓
JULIO ALFREDO tiene 25 años de edad es soltero tiene un hijo, vive con el hijo en casa de los padres en la ciudad de Ventans Provincia de los ríos.

La VRC LA PAULINA, se encuentra ubicada en la Parroquia Puerto Pechiche Recinto la Paulina, Pertenece al Cantón Pueblo Viejo se dedican a labores Agrícolas y Pecuarias.

JULIO ALFREDO se dedica a la agricultura a la siembra de maíz, arroz, además se dedica a la crianza de gallinas, patos. Solicita el crédito para comprar semillas, urea, abonos, insecticidas, abono orgánico, ranger.

Con la ayuda del crédito podrá comprar lo necesario para las siembras de maíz, arroz. Las compras y ventas lo hace en la ciudad de Ventanas.

El sueño es comprar una casa. En el tiempo libre le gusta practicar 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
  • 31
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Julio Alfredo to buy seeds, urea, manure, insecticide, organic fertilizer, and Ranger (a type of herbicide).
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Dec 19, 2012
Jan 8, 2013
Currency Exchange Loss:
Aug 22, 2013