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Ricardo Arturo
Ricardo, 23, has a spouse and one son. He lives with his spouse in the community of El Jobo in the canton of Ventanas and the province of Los Ríos. He belongs to the Nuevo Jerusalen communal bank, which is also located in El Jobo in the canton of Ventanas. The bank's members work in agriculture and livestock.

Ricardo makes a living in agriculture by planting corn. With this loan, he will be able to buy supplies such as fertilizer, manure, and seeds. He makes his purchases in the city of Ventanas. This loan will help him to increase his income and expand his crops. His dream is to buy sound equipment. He likes working and sleeping. He faces challenges such as infestation and crop disease.
View original language description ↓
Ricardo tiene 23 años de edad de estado civil unido tiene un hijo vive con la compañera en el Recinto EL JOBO perteneciente al Cantón Ventanas Provincia de Los Ríos.

Pertenece a la Ventanilla NUEVO JERUSALEN se encuentra ubicada el recinto EL JOBO, perteneciente al cantón Ventanas se dedica a labores agrícolas y pecuarias.

Ricardo se dedica a la agricultura a la siembra de maíz. Con el crédito podrá comprar insumos como: fertilizantes, abonos y semillas. Las compras las realiza en la ciudad de Ventanas.

El crédito le ayudado para aumentar los ingresos y los cultivos. El sueño es comprar un equipo de sonido. Le gusta mucho trabajar y dormir. En frenta desafios como las plagas y enfermedades

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
  • 60
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Ricardo Arturo to buy fertilizer, manure, and seeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 9, 2013
Jul 31, 2013
Currency Exchange Loss:
Feb 17, 2014