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Manuel Marcelo
Manuel is 43 years old. He is not married and has four children. He lives with his mother in the canton of Chillanes, in the province of Bolívar.

Manuel is a member of the loan group Azanloma in the canton of Chillanes. Most members make a living raising and selling livestock. This cooperative is located 30 minutes away from Manuel's community.

Manuel makes a living growing crops such as beans, peas, palm hearts, and corn, as well as raising livestock.

He is requesting this loan in order to buy more animals in Chillanes. Manuel's dream is to buy some land and provide his children with an education. Lately, his biggest challenge has been plagues in his crops. In his free time, Manuel likes to sightsee, visit family, and participate in the community's festivals.
View original language description ↓
Manuel tiene 43 años de edad es soltero tiene cuatro hijos vive con su madre en el cantón Chillanes

Provincia Bolívar.

Es integrante de ventanilla azanloma perteneciente al Cantón Chillanes, la actividad económica es la

agricultura, crianza de animales y el comercio.

La comunidad se encuentra en unos 30 minutos de la oficina de la cooperativa en Chillanes.

Manuel se dedica a la agricultura como al cultivo de frejol, arveja, palmito, maíz y a la crianza de

animales como el ganado.

Solicita el crédito para la compra de ganado.

Las compras lo realizan en la ciudad de Chillanes.

Su sueño es comprar terreno y dar el estudio a los hijos.

El desafío que enfrenta es la plaga en los cultivos.

En el tiempo libre le gusta pasear, visitar a los familiares y las fiestas de la comunidad.

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
  • 38
    View loans »
    Ecuador Loans Fundraising
  • $26,541,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Manuel Marcelo to buy livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 15, 2013
Apr 29, 2013
Currency Exchange Loss:
Jun 23, 2014