Libertad vs Independiente del Valle
Ecuador : Liga Pro 2025 Championship Group - 4
EcuadorLiga Pro
LIB
Libertad1-3
IV
Independiente del ValleMatch Timeline
Kick Off
27'
30'
Half Time
62'
77'
77'
82'
83'
J. LermaOUT: J. Sornoza
89'
89'
C. SpinelliOUT: M. Hoyos
Full Time
3D Lineups
Libertad (Left) vs Independiente del Valle (Right)
Coach
Starting XI
Alan Ariel García Jama
- Duels W%
- 61.45
- Dribbles S%
- 80.0
- Tackles/90
- 0.9
Jimmy Denilson Bolaños Cervantes
- Assists/90
- 0.04
- Pass/90
- 27.67
- Pass A%
- 76.05
Kevin Steeven Becerra Wila
- Duels W%
- 58.09
- Dribbles S%
- 42.86
- Tackles/90
- 1.31
Orlín Peter Quiñónez Ayoví
- Duels W%
- 51.33
- Dribbles S%
- 63.64
- Tackles/90
- 1.65
Jared Timmer
- Duels W%
- 55.75
- Dribbles S%
- 58.33
- Tackles/90
- 0.26
Nestor David Caicedo Mina
- Goals/90
- 0.26
- Shots/90
- 1.91
- Con%
- 13.73
Felix Jostyn Mina Caicedo
- Save%
- 79.31
- CS%
- 0.0
- Pens Save%
- 0.0
Carlos Alexi Arboleda Ruiz
- Assists/90
- 0.24
- Pass/90
- 23.54
- Pass A%
- 72.77
Iván Frangoy Zambrano Vera
- Assists/90
- 0.09
- Pass/90
- 28.13
- Pass A%
- 82.64
Yery Jostin Bravo Gurumendi
- Assists/90
- 0.0
- Pass/90
- 36.52
- Pass A%
- 79.85
Wilter Andrés Ayoví Mina
- Goals/90
- 0.15
- Shots/90
- 1.5
- Con%
- 10.2
Substitutes
José Luis Monaga Quiñónez
- Duels W%
- 42.71
- Dribbles S%
- 33.33
- Tackles/90
- 1.23
Angel Fernando Quiñonez Guerrero
- Goals/90
- 0.09
- Shots/90
- 0.69
- Con%
- 12.5
Bruno Vidal Pachito Zapatier
- Goals/90
- 0.0
- Shots/90
- 0.0
- Con%
- 0.0
Leonel Romario Nazareno Delgado
- Save%
- 76.62
- CS%
- 0.0
- Pens Save%
- 0.0
Emerson Samuel Castillo Ortíz
- Save%
- 0.0
- CS%
- 0.0
- Pens Save%
- 0.0
Carlos Jair Gruezo Chamorro
- Assists/90
- 0.0
- Pass/90
- 23.55
- Pass A%
- 72.28
Jean Carlos Humanante Vargas
- Assists/90
- 0.0
- Pass/90
- 38.05
- Pass A%
- 68.58
S. Bueno Quinonez
- Assists/90
- 0.0
- Pass/90
- 36.32
- Pass A%
- 78.26
Ronny Alfonso Biojo Preciado
- Duels W%
- 59.57
- Dribbles S%
- 58.33
- Tackles/90
- 1.13
Diego Francisco Ávila Murillo
- Goals/90
- 0.48
- Shots/90
- 2.57
- Con%
- 18.75
Ariel Alessandro Bao Espinoza
- Save%
- 0.0
- CS%
- 0.0
- Pens Save%
- 0.0
Coach
Starting XI
Gustavo Orlando Cortéz Quiñónez
- Duels W%
- 48.59
- Dribbles S%
- 51.11
- Tackles/90
- 1.45
Mateo Carabajal
- Duels W%
- 65.38
- Dribbles S%
- 58.14
- Tackles/90
- 1.57
Matías Ignacio Fernández Cordero
- Duels W%
- 52.48
- Dribbles S%
- 43.18
- Tackles/90
- 0.88
Richard Hernán Schunke
- Duels W%
- 59.71
- Dribbles S%
- 66.67
- Tackles/90
- 1.56
Claudio Paul Spinelli
- Goals/90
- 0.75
- Shots/90
- 2.44
- Con%
- 30.68
Guido Emanuel Villar
- Save%
- 71.51
- CS%
- 0.0
- Pens Save%
- 0.0
Alex Renato Ibarra Mina
- Assists/90
- 0.12
- Pass/90
- 33.39
- Pass A%
- 83.08
Emerson Ivan Pata Rodríguez
- Goals/90
- 0.11
- Shots/90
- 1.8
- Con%
- 6.06
Jordy José Alcívar Macías
- Assists/90
- 0.05
- Pass/90
- 52.9
- Pass A%
- 89.42
Patrik Kleiver Mercado Altamirano
- Assists/90
- 0.2
- Pass/90
- 37.8
- Pass A%
- 88.19
Substitutes
Luis Felipe Zárate Cardozo
- Duels W%
- 56.49
- Dribbles S%
- 54.55
- Tackles/90
- 1.23
Oscar Esteban Quiñonez Mendoza
- Duels W%
- 59.09
- Dribbles S%
- 99.99
- Tackles/90
- 1.57
Thiago Santamaría
- Duels W%
- 48.41
- Dribbles S%
- 25.0
- Tackles/90
- 2.06
Yandri David Vásquez Zambrano
- Goals/90
- 0.0
- Shots/90
- 2.89
- Con%
- 0.0
Eduardo David Bores Díaz
- Save%
- 99.99
- CS%
- 0.0
- Pens Save%
- 0.0
Cristian Exequiel Zabala
- Assists/90
- 0.03
- Pass/90
- 49.03
- Pass A%
- 86.07
Jhegson Sebastián Méndez Carabalí
- Assists/90
- 0.0
- Pass/90
- 64.35
- Pass A%
- 91.72
Layan Manuel Loor Requelme
- Duels W%
- 44.66
- Dribbles S%
- 40.0
- Tackles/90
- 0.88
Arón David Rodríguez Franco
- Goals/90
- 0.34
- Shots/90
- 1.3
- Con%
- 26.32
Jean Pierre Arroyo
- Assists/90
- 0.29
- Pass/90
- 26.53
- Pass A%
- 82.59
Júnior Nazareno Sornoza Moreira
- Assists/90
- 0.39
- Pass/90
- 48.08
- Pass A%
- 85.87
Michael Ryan Hoyos
- Assists/90
- 0.17
- Pass/90
- 19.32
- Pass A%
- 78.39
Team Statistics
LIBStatsIV
48%
Possession
52%
50%
Half Time Score
50%
25%
Full Time Score
75%
8%
Shots on Goal
92%
30%
Shots off Goal
70%
30%
Total Shots
70%
60%
Blocked Shots
40%
39%
Shots Inside Box
61%
8%
Shots Outside Box
92%
36%
Fouls
64%
25%
Corner Kicks
75%
0%
Offsides
100%
48%
Total Passes
52%
47%
Passes Accurate
53%
0%
Yellow Cards
100%
100%
Saves
0%
| Details | General | Attack | Passing | Dribbling | Duels | Defending | Penalties | GK | Discipline | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Min | Rat | G | A | Sh | SoT | Off | Pas | Acc | Acc% | KP | Att | Suc | Pst | Tot | Won | Tkl | Blk | Int | Won | Scr | Mis | Com | Sav | Conc | Sav | Red | Yel | FC | FD | |
| J. MonagaD : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| A. QuiñonezF : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| B. PachitoF : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| L. NazarenoG : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| S. CastilloG : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| C. GruezoM : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| J. HumananteM : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| S. Bueno QuinonezM : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| Ronny Alfonso Biojo PreciadoD : | 19 | 6.3 | 0 | 1 | 15 | 13 | 87 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||
| Diego Francisco Ávila MurilloF : | 19 | 6.3 | 0 | 5 | 5 | 100 | 1 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||
| A. BaoG : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| A. GarciaD : 2:2 | 90 | 6.5 | 0 | 37 | 23 | 62 | 3 | 3 | 5 | 4 | 1 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| J. BolañosD : 2:4 | 71 | 7.0 | 0 | 22 | 15 | 68 | 1 | 1 | 1 | 10 | 8 | 6 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | |||||||||||
| K. BecerraD : 2:3 | 90 | 7.3 | 0 | 1 | 37 | 31 | 84 | 10 | 8 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 2 | |||||||||||||
| O. QuiñónezD : 2:1 | 90 | 6.3 | 0 | 30 | 25 | 83 | 1 | 1 | 3 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| J. TimmerF : 4:1 | 90 | 7.7 | 1 | 1 | 20 | 15 | 75 | 1 | 11 | 7 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | |||||||||||||
| N. CaicedoF : 4:2 | 71 | 6.6 | 0 | 1 | 16 | 14 | 88 | 10 | 3 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | |||||||||||||
| F. MinaG : 1:1 | 90 | 8.5 | 0 | 25 | 16 | 64 | 2 | 2 | 2 | 0 | 0 | 0 | 3 | 9 | 0 | 0 | ||||||||||||||
| C. ArboledaM : 3:1 | 90 | 6.7 | 0 | 18 | 11 | 61 | 2 | 4 | 1 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||
| I. ZambranoM : 3:2 | 90 | 7.6 | 1 | 0 | 3 | 1 | 31 | 25 | 81 | 1 | 1 | 6 | 4 | 1 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | |||||||||
| J. BravoM : 3:3 | 90 | 6.6 | 0 | 37 | 31 | 84 | 1 | 1 | 7 | 4 | 3 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | ||||||||||||
| W. AyovíM : 3:4 | 90 | 7.2 | 0 | 30 | 24 | 80 | 6 | 4 | 1 | 3 | 11 | 4 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | ||||||||||
| Details | General | Attack | Passing | Dribbling | Duels | Defending | Penalties | GK | Discipline | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Min | Rat | G | A | Sh | SoT | Off | Pas | Acc | Acc% | KP | Att | Suc | Pst | Tot | Won | Tkl | Blk | Int | Won | Scr | Mis | Com | Sav | Conc | Sav | Red | Yel | FC | FD | |
| Justin LermaM : | 83 | 6.7 | 0 | 26 | 24 | 92 | 3 | 1 | 5 | 2 | 0 | 0 | 0 | 0 | 0 | 2 | ||||||||||||||
| L. ZárateD : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| O. QuiñonezD : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| T. SantamaríaD : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| Y. VásquezF : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| Eduardo David Bores DíazG : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| C. ZabalaM : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| J. MéndezM : | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| L. LoorD : | 13 | 7.0 | 0 | 7 | 6 | 86 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| A. RodríguezF : | 11 | 7.0 | 0 | 2 | 1 | 4 | 3 | 75 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| J. ArroyoM : | 13 | 7.7 | 1 | 0 | 2 | 1 | 7 | 6 | 86 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| J. SornozaM : | 17 | 6.9 | 0 | 13 | 11 | 85 | 2 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| M. HoyosM : | 11 | 7.3 | 0 | 3 | 1 | 1 | 1 | 100 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| G. CortézD : 2:1 | 89 | 7.5 | 1 | 45 | 34 | 76 | 2 | 10 | 5 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | |||||||||||||
| M. CarabajalD : 2:3 | 90 | 7.3 | 1 | 2 | 20 | 16 | 80 | 1 | 1 | 14 | 7 | 2 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | |||||||||
| M. FernándezD : 2:4 | 90 | 6.9 | 0 | 35 | 30 | 86 | 1 | 4 | 3 | 2 | 1 | 0 | 0 | 0 | 0 | 1 | ||||||||||||||
| R. SchunkeD : 2:2 | 90 | 7.7 | 0 | 32 | 26 | 81 | 1 | 1 | 1 | 8 | 3 | 3 | 2 | 0 | 0 | 0 | 0 | 1 | 3 | |||||||||||
| C. SpinelliF : 5:1 | 89 | 7.7 | 1 | 0 | 7 | 2 | 10 | 8 | 80 | 1 | 1 | 8 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | |||||||||||
| G. VillarG : 1:1 | 90 | 6.2 | 0 | 15 | 6 | 40 | 0 | 0 | 0 | 1 | 0 | 0 | ||||||||||||||||||
| Alex Renato Ibarra MinaM : 4:4 | 77 | 7.7 | 1 | 0 | 1 | 1 | 29 | 21 | 72 | 2 | 1 | 1 | 4 | 3 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | |||||||||
| Emerson Ivan Pata RodríguezM : 4:1 | 77 | 7.5 | 0 | 4 | 3 | 25 | 19 | 76 | 1 | 5 | 2 | 6 | 2 | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| J. AlcívarM : 3:1 | 90 | 7.2 | 0 | 2 | 1 | 44 | 40 | 91 | 1 | 1 | 6 | 2 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | |||||||||||
| P. MercadoM : 4:2 | 90 | 8.7 | 1 | 3 | 2 | 1 | 34 | 29 | 85 | 8 | 2 | 1 | 1 | 11 | 3 | 2 | 0 | 0 | 0 | 0 | 0 | 1 | ||||||||
| Details | Ranking | Matches | Goals | Form | ||
|---|---|---|---|---|---|---|
| Rank | Pts | M | W/D/L | GD(S/A) | Form | |
| Independiente del Valle2025 | 1 | 64 | 30 | 18/10/2 | 32(55/23) | WDDLD |
| Libertad2025 | 6 | 46 | 30 | 12/10/8 | 6(42/36) | WDDDL |
David Estalin Cabezas Medina
El Nacional→LibertadDateFeb 2, 2026FeeFree agentRody Jossephe Zambrano Marcillo
Macara→LibertadDateFeb 2, 2026FeeFree agentRody Jossephe Zambrano Marcillo
Macara→LibertadDateFeb 1, 2026FeeFree agentDiego Francisco Ávila Murillo
Libertad→MinasDateJan 28, 2026FeeFree agentJ. Timmer
Libertad→Orense SCDateJan 26, 2026FeeFree agentJosé Luis Monaga Quiñónez
Libertad→Santo DomingoDateJan 26, 2026FeeFree agentJ. Timmer
Libertad→Orense SCDateJan 25, 2026FeeFree agentBryan Javier Caicedo Jurado
Macara→LibertadDateJan 25, 2026FeeFree agentBryan Javier Caicedo Jurado
Macara→LibertadDateJan 24, 2026FeeFree agentDany Josue Coronel Ocampo
Orense SC→LibertadDateJan 24, 2026FeeFree agentHancel Javier Batalla Carreño
Delfin SC→LibertadDateJan 24, 2026FeeFree agentJawer Fabián Guisamano Camacho
El Nacional→LibertadDateJan 24, 2026FeeFree agentDany Josue Coronel Ocampo
Orense SC→LibertadDateJan 23, 2026FeeFree agentHancel Javier Batalla Carreño
Delfin SC→LibertadDateJan 23, 2026FeeFree agentDavid Santiago Agudelo Ospina
Libertad→Depor FCDateJan 21, 2026FeeFree agentJimmy Denilson Bolaños Cervantes
Libertad→MacaraDateJan 18, 2026FeeFree agentWilter Andrés Ayoví Mina
Libertad→Comerciantes UnidosDateJan 18, 2026FeeFree agentAngel Fernando Quiñonez Guerrero
Libertad→Real OruroDateJan 17, 2026FeeFree agentJimmy Denilson Bolaños Cervantes
Libertad→MacaraDateJan 17, 2026FeeFree agentWilter Andrés Ayoví Mina
Libertad→Comerciantes UnidosDateJan 17, 2026FeeFree agentAngel Fernando Quiñonez Guerrero
Libertad→Real OruroDateJan 16, 2026FeeFree agentBryan David Corozo Caicedo
Tecnico Universitario→LibertadDateJan 15, 2026FeeFree agentElvis Adan Patta Quintero
Tecnico Universitario→LibertadDateJan 15, 2026FeeFree agentManuel Erasmo Lucas Ayoví
Herrera→LibertadDateJan 15, 2026FeeFree agentStick Carlos Castro Palma
Mushuc Runa SC→LibertadDateJan 15, 2026FeeFree agentBryan David Corozo Caicedo
Tecnico Universitario→LibertadDateJan 14, 2026FeeFree agentElvis Adan Patta Quintero
Tecnico Universitario→LibertadDateJan 14, 2026FeeFree agentLeonel Romario Nazareno Delgado
Libertad→Leones del NorteDateJan 14, 2026FeeFree agentStick Carlos Castro Palma
Mushuc Runa SC→LibertadDateJan 14, 2026FeeFree agentYerlin Josué Quiñónez Nazareno
Libertad→LDU de QuitoDateJan 13, 2026FeeTransferYerlin Josué Quiñónez Nazareno
Libertad→LDU de QuitoDateJan 12, 2026FeeTransferJean Carlos Humanante Vargas
Libertad→Guayaquil City FCDateJan 8, 2026FeeFree agentAntony Jóel Chére Ayoví
Macara→LibertadDateJan 7, 2026FeeFree agentJackson Gabriel Rodríguez Perlaza
Emelec→LibertadDateJan 7, 2026FeeFree agentJean Carlos Humanante Vargas
Libertad→Guayaquil City FCDateJan 7, 2026FeeFree agentOrlín Peter Quiñónez Ayoví
Libertad→XelajúDateJan 7, 2026FeeFree agentVilinton Germán Branda Merlín
El Nacional→LibertadDateJan 7, 2026FeeFree agentAntony Jóel Chére Ayoví
Macara→LibertadDateJan 6, 2026FeeFree agentGabriel Jhon Cortéz Casierra
Barcelona SC→LibertadDateJan 6, 2026FeeFree agentJackson Gabriel Rodríguez Perlaza
Emelec→LibertadDateJan 6, 2026FeeFree agentOrlín Peter Quiñónez Ayoví
Libertad→XelajúDateJan 6, 2026FeeFree agentCarlos Alexi Arboleda Ruiz
Libertad→Deportivo CuencaDateJan 5, 2026FeeFree agentNestor David Caicedo Mina
Libertad→Athletic ClubDateJan 5, 2026FeeTransferCarlos Alexi Arboleda Ruiz
Libertad→Deportivo CuencaDateJan 4, 2026FeeFree agentNestor David Caicedo Mina
Libertad→Athletic ClubDateJan 4, 2026FeeTransferKevin Steeven Becerra Wila
Libertad→CiencianoDateDec 31, 2025FeeFree agentFelix Jostyn Mina Caicedo
Libertad→EmelecDateDec 30, 2025FeeReturn from loanKevin Steeven Becerra Wila
Libertad→CiencianoDateDec 30, 2025FeeFree agentRonny Alfonso Biojo Preciado
Libertad→Deportivo CuencaDateDec 30, 2025FeeReturn from loanYery Jostin Bravo Gurumendi
Libertad→Independiente del ValleDateDec 30, 2025FeeReturn from loan
J. Klinger
Independiente del Valle→MacaraDateJan 21, 2026FeeLoanAlex Renato Ibarra Mina
Independiente del Valle→Mushuc Runa SCDateJan 15, 2026FeeFree agentAlex Renato Ibarra Mina
Independiente del Valle→Mushuc Runa SCDateJan 14, 2026FeeFree agentMatías Mijail Perello
Argentinos JRS→Independiente del ValleDateJan 14, 2026FeeTransferMatías Mijail Perello
Argentinos JRS→Independiente del ValleDateJan 13, 2026FeeTransferMichael Ryan Hoyos
Independiente del Valle→Newells Old BoysDateJan 13, 2026FeeFree agentMichael Ryan Hoyos
Independiente del Valle→Newells Old BoysDateJan 12, 2026FeeFree agentJuan Bautista Viacava Caviglia
Defensor Sporting→Independiente del ValleDateJan 11, 2026FeeFree agentJuan Bautista Viacava Caviglia
Defensor Sporting→Independiente del ValleDateJan 10, 2026FeeFree agentJhon Jairo Espinoza Izquierdo
Kasımpaşa→Independiente del ValleDateJan 8, 2026FeeFree agentJhon Jairo Espinoza Izquierdo
Kasımpaşa→Independiente del ValleDateJan 7, 2026FeeFree agentCristian Exequiel Zabala
Independiente del Valle→Sarmiento JuninDateJan 5, 2026FeeFree agentCristian Exequiel Zabala
Independiente del Valle→Sarmiento JuninDateJan 4, 2026FeeFree agentDaykol Alejandro Romero Padilla
Universidad Catolica→Independiente del ValleDateJan 4, 2026FeeFree agentDjorkaeff Néicer Reasco González
El Nacional→Independiente del ValleDateJan 4, 2026FeeFree agentDaykol Alejandro Romero Padilla
Universidad Catolica→Independiente del ValleDateJan 3, 2026FeeFree agentDjorkaeff Néicer Reasco González
El Nacional→Independiente del ValleDateJan 3, 2026FeeFree agentMatías Ignacio Fernández Cordero
Independiente del Valle→Colo ColoDateDec 31, 2025FeeFree agentJoaquín Pombo Steinberger
Banfield→Independiente del ValleDateDec 30, 2025FeeReturn from loanMatías Ignacio Fernández Cordero
Independiente del Valle→Colo ColoDateDec 30, 2025FeeFree agentOscar Esteban Quiñonez Mendoza
Independiente del Valle→Racing MontevideoDateDec 30, 2025FeeReturn from loanThiago Santamaría
Independiente del Valle→Argentinos JRSDateDec 30, 2025FeeReturn from loanYery Jostin Bravo Gurumendi
Libertad→Independiente del ValleDateDec 30, 2025FeeReturn from loan