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Efrain Wilfrido
Efrain Wilfrido is 21 years old. He is single and has no children. He lives with his grandparents in Ventanas, in the Los Ríos province.

The "ASO ACAMINANDO por un buen Futuro" communal bank is in the Cachely precinct, which is part of the Ventanas canton. The bank works in agriculture.

Efrain makes a living in agriculture, sowing corn. He is applying for a loan to buy seeds, urea and organic fertiliser. With the help of a loan, he will be able to invest in agriculture.

He will make the purchases in Ventanas. His dream is to buy a house. In his spare time he likes to study.
View original language description ↓
EFRAIN WILFRIDO tiene 21 años de edad es soltero no tiene hijos, vive con los abuelitos en Ventanas Provincia de los Ríos.

La VRC ASO ACAMINANDO por un buen Futuro, se encuentra ubicada en el Recinto Cachely, Pertenece al Cantón Ventanas se dedican a labores agrícolas.

EFRAIN WILFRIDO se dedica a la agricultura a la siembra de maíz. Soliciat el crédito para comprar semillas, urea, abonos orgánicos. Con la ayuda del crédito podra invertir en la agricultura.

Las compras las realizará en Ventanas. El sueño es comprar una casa. En el tiempo libre le gusta estudiar.

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
  • 33
    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 $600 helped Efrain Wilfrido to buy seeds, urea and organic fertilisers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 2, 2013
Feb 1, 2013
Currency Exchange Loss:
Aug 26, 2013