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Alex Fernando
Alex is 18 years old, single with no children and lives with his mother in the city of Guaranda, province of Bolívar. He is a member of the communal bank "Los Pinos" which is comprised of 14 members of the same agricultural community about 40 minutes away from the Pangua Community offices.

Alex sells cheese and raises cattle and pigs for a living. He is requesting a loan to buy a dairy cow so he can obtain milk to make cheese. He carries out his purchases in the city of Guaranda and sells cheese on an order basis in Guaranda, San Miguel and Chimbo.

One day he would like to buy a transport truck, but the most difficult challenge he faces is the lack of money. In his free time he enjoys sports, especially soccer.
View original language description ↓
Alex tiene 18 años de edad es soltero no tiene hijos, vive con la madre en la ciudad de Guaranda provincia de Bolívar.

Es integrante de la Ventanilla Los pinos, se encuentra formada por 14 socios que son de la misma comunidad, se dedican a la agricultura queda a 40 minutos de la oficina Comunidad Pangua.

Alex se dedica al comercio a la venta de quesos además se dedica a la crianza de ganado, cerdos.

Solicita el crédito para comprar una vaca lechera. Con la ayuda del crédito podrá obtener la leche para la elaboración del queso.

La compra las realizará en la ciudad de Guaranda y las ventas de los quesos lo realiza bajo pedidos en Guaranda, San Miguel, Chimbo.

El sueño es comprar un camioneta para transportar . Los desafíos a los que se enfrenta es la falta de dinero.
En el tiempo libre le gusta disfrutar del deporte. En especial del futbol.

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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,524,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Alex Fernando to buy a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 18, 2013
May 19, 2013
Currency Exchange Loss:
Jun 24, 2014