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Washington Ruben
Washington Rubén is 20 years old, single, and has no children. He lives with his mother in Guaranda in Bolívar Province.

Washington is a member is a member of the Communal Bank “Pangua” which is located in the community of Pangua Chaupiyacu and part of Guanujo parish in the canton of Guaranda. This community is 15 minutes away from the office of Cooperativa San Jose. The members of the Pangua Communal Bank work mostly in agriculture and livestock breeding, but they also engage in other business activities, such as retail and construction, in order to earn most of their income.

Washington is a farmer who grows potatoes and raises cattle. He buys his supplies and sells his products in Guaranda. Washington is requesting a loan in order to buy a piece of land, as well as compost, fertilizers, and seeds. With the help of this loan, he will be able to change his family’s financial situation. He dreams of purchasing a car and a house. The challenges he faces include dealing with problems related to drought.

In his free time, Washington enjoys playing sports and spending time with his siblings and parents.

View original language description ↓
Washington Rubén tiene 20 años de edad es soltero no tiene hijos, vive con la madre en Guaranda provincia de Bolívar.
Es integrante de la VRC PANGUA, se encuentra ubicado en la comunidad Pangua Chaupiyacu, Parroquia Guanujo Cantón Guaranda, La comunidad está a 15 minutos de la Oficina Los miembros de la Ventanilla Pangua se dedican la mayoría a la Agricultura y ganadería y también a otras actividades donde obtienen mayores ingresos económicos como: el comercio y la construcción.
Washington se dedica a la agricultura, tiene sembríos de papas y ganado. Las compras y las ventas de los productos los realiza en Guaranda.
Solicita el crédito para comprar un terreno, comprar abonos, fertilizantes, semillas.
Con la ayuda del préstamo utilizará para cambiar la situación económica de la familia.
El sueño es poder comprar un carro y una casa. Los desafíos a los que se enfrenta son los problemas de sequia.
En los tiempos libres le gusta hacer deporte y pasar con los hermanos y padres.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Washington Ruben to buy a piece of land, as well as compost, fertilizers, and seeds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 17, 2011
Dec 3, 2011
Currency Exchange Loss:
Jan 15, 2013