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Holger Arnulfo
Holger Arnulfo is 51 years old and married and has one son. He lives with his wife and his son in the city of Chimbo, part of the province of Bolìvar.

Holger Arnulfo works in agriculture. He is asking for a loan to buy a cell phone. With the help of this loan, he will be able to buy a phone, which he needs in order to be in contact with others for business.

He will make his purchase in Guaranda. The only obstacle he faces is competency with the phone.

His dream is to continue improving his lifestyle. In his free time he likes to get together with his friends.
View original language description ↓
HOLGER ARNULFO tiene 51 años de edad es casado tiene un hijo, vive con la esposa y con el hijo e la ciudad de Chimbo Provincia de Bolìvar.

HOLGER ARNULFO se dedica a la agricultura. Solicita el crédito para comprar un celular. Con la ayuda del crédito podrá comprar el celular que tanta falta le hace para estar en contacto con las personas del negocio.

La compra la realizará en Guaranda. Los desafíos a los que se enfrenta es la competencia.

El sueño es seguir mejorando el estilo de vida. En el tiempo libre le gusta reunirce con los amigos.

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
  • 41
    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 $500 helped Holger Arnulfo to buy a cell phone.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 4, 2013
Jan 25, 2013
Currency Exchange Loss:
Mar 18, 2013