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Henry Oswaldo
HENRY OSWALDO, who is 35 and married with one daughter, works as a professional driver. He, his wife and their daughter live in Chimbo in Bolívar Province. He is applying for a loan to buy a refrigerator which he greatly needs in his home and will go to the city of Guaranda to buy it. His ambition is to improve his family's lifestyle and to own his own home. He has to deal with any problem which life throws at him. In his free time, he likes playing and spending time with his family.
View original language description ↓
HENRY tiene 35 años de edad es casado tiene una hija, vive con la esposa y con la hija en Chimbo Provincia de Bolívar.

HENRY es Chofer Profesional. Solicita el crédito para comprar una refrigeradora. Con la ayuda del crédito podrá comprar lo que tanta falta le hace en el hogar. La compra la realizará en la ciudad de Guaranda. El sueño es mejorar el estilo de vida de la familia y tener una casa. Los desafíos a los que se enfrenta es luchar contra cualquier problema que se presente. En el tiempo libre le gusta jugar y pasar con la familia.

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
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Henry Oswaldo to buy a refrigerator.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 25, 2013
Mar 14, 2013
Currency Exchange Loss:
Apr 18, 2013