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Carlos Alberto

Update on Carlos Alberto

Carlos is thirty-two years old and lives in a common-law relationship. He has no children. He lives with his partner in the Ventanas Canton, in the province of Los Ríos. He is a member of the San Juan Communal Bank, which is located in the San Francisco area of the parish of San Juan; the members work in agricultural jobs.

Carlos makes a living in agriculture, growing rice and corn. He is requesting a loan in order to invest in agriculture by buying seeds, fertilizers, agricultural manure, and fungicides for the care of his crops.

The challenges he frequently faces are from competition and pests.

His dream is to have money in order to go on a trip. In his free time he likes to play sports with his friends in the neighborhood.
View original language description ↓
Carlos tiene 32 años de edad vive en unión libre no tiene hijos, vive con la esposa en el Cantón Ventanas Provincia de los Ríos.

Es integrante de la VRC SAN JUAN, Se encuentra Ubicada en el Recinto San Francisco, Pertenece a la Parroquia San Juan se dedican a Labores Agrícolas.

Carlos se dedica a la agricultura a la siembra de arroz, maíz. Solicita el crédito para invertir en la agricultura, comprar semillas, fertilizantes, abonos agrícolas y fungicidsas para el cuidado de los cultivos

Los desafíos que se le presenta muy frecuentemente es la competencia y las plagas.
El sueño dinero para salir de viaje.

En los tiempos libres le gusta hacer deporte con los amigos del barrio.

Previous Loan Details

Carlos Alberto is 31 years old and lives in a common-law relationship with no children. He lives with his partner in Ventanas Canton, province of Los Ríos. He is a member of San Juan Communal Bank, located in the San Francisco area of the parish of San Juan, where the people work in agricultu... More from Carlos Alberto'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
  • 74
    View loans »
    Ecuador Loans Fundraising
  • $25,592,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carlos Alberto to buy seeds, fertilizers, agricultural manure, and fungicides for the care of his crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 18, 2013
Mar 12, 2013
Currency Exchange Loss:
Mar 17, 2014