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Santos Oswaldo

Update on Santos Oswaldo

Santos is 57 years old, lives with his long-term partner, has four children, and lives in the city of Ventanas in the Los Ríos Province.

The 25 de Febrero Communal Bank is located in the El Guabito Precinct of the parish of Zapatol in Ventanas Canton. He is a farmer.

Santos is in the business of cacao, coffee, and farming, growing corn, cacao, and coffee. Additionally, he raises livestock, such as chickens, pigs, ducks, and turkeys. He is asking for this loan to buy wood, cement, urea, liquid weed killer, insecticide, and seed.

With the help of the loan he will be able to buy the farming supplies he needs to have a good yield and to buy material to fix up the farm. He makes his purchases every 15 days in Ventanas. His dream is to work a lot for the wellbeing of his family. The challenge he faces in his work is the sowing. In his free time he likes to play cards and he likes Carnaval.
View original language description ↓
SANTOS tiene 57 años de edad su estado civil unión libre vive con su esposa tiene 4 hijos vive en la Ciudad de Ventanas en la Provincia de los Ríos.

La V.R.C. 25 de Febrero, se encuentra ubicada en el Recinto el Guabito de la Parroquia Zapatol, Pertenece al Cantón Ventanas se Dedica a Labores Agrícolas.

SANTOS se dedica al negocio de cacao, café y la agricultura a la siembra de maíz, cacao, café además se dedica a la crianza de animales como gallinas, cerdos, pato, pavo. Solicita el crédito para comprar madera, cemento y para comprar de urea, liquido mata plagas, insecticida, semillas.

Con la ayuda del crédito podrá comprar lo necesario para la agricultura para tener una buena producción y comprar material para arreglar la finca. La compra los realiza cada 15 días en Ventanas. El sueño es trabajar mucho para el bienestar de mi familia. Los desafíos a los que enfrenta en el trabajo es la siembra. En el tiempo libre le gusta jugar naipes y carnaval.

Previous Loan Details

Santos Oswaldo, age 56, is in a common-law marriage and has four children. He lives with his wife and his children in Ventanas in the Los Ríos province. He is a member of the 25 de Febrero communal bank, which is in the Guabito precint, Zapotal parish, Ventanas canton. They devote themselves t... More from Santos Oswaldo'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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $25,587,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Santos Oswaldo to buy wood and cement and to buy urea, liquid weed killer, insecticide, and seed.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 13, 2013
Mar 18, 2013
Currency Exchange Loss:
Apr 17, 2014