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Luis Hernan
Luis is 33 years old and lives with his parents in the Chillanes settlement, within the Bolivar province. He is part of the Unión Central Parroquia San José del Tambo community and he farms and raises animals. The community is located an hour from the co-op. Luis raises cacao.

He is asking for a loan to clean his fields and have a better production.

He makes his purchases in the city of Mata de Cacao.

His dream is to have a business.

His challenge is a lack of working capital.

He likes to listen to music in his spare time.
View original language description ↓
Luis tiene 33 años de edad es soltero vive con sus padres en el Cantón Chillanes Provincia Bolívar.

Es integrante de ventanilla Unión Central Parroquia San José del Tambo actividad económica agricultura,

crianza de animales y comercio la comunidad se encuentra a una hora de la cooperativa.

Luis se dedica a la agricultura como a la siembra de cacao.

Solicita el crédito para limpiar las huertas y tener una mejor producción.

Las compras lo realizan en la ciudad de Mata de Cacao.

Su sueño es tener un negocio.

El desafío que enfrenta es la falta de capital para trabajar.

En el tiempo libre le gusta escuchar música.

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
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Luis Hernan to clean his fields.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 12, 2013
Apr 29, 2013
Currency Exchange Loss:
Jun 22, 2014