Update on Angel SegundoÁngel Segundo, 48, is married and has five children. He lives with his wife and children in Guaranda Province, Bolívar.
The “Emmanuel” communal bank has 12 members and is located 40 minutes from the office located in Recinto San Juan de Llullundongo belonging to Guaranda.
Ángel farms potatoes and corn and also raises chickens, pigs and cattle. He requests this loan to buy manure, urea, fertilizer and liquids to kill bugs. With help from the loan he will be able to save his harvest.
His purchases and sales take place in Guaranda every 15 days. His dream is to have a vehicle of his own. The challenges he faces are transportation and the weather. In his free time he enjoys playing volleyball and the Carnival season.
Ángel is very grateful for the help from the previous loan because he’s worked and purchased supplies for the crops to obtain more income to cover family needs.
La VRC Emmanuel está conformada por 12 socios esta ventanilla queda a 40 minutos de la oficina ubicada en el recinto San Juan de Llullundongo perteneciente a Guaranda.
Angel se dedica a ala agricultura a la siembra de papas, maíz, además cría pollos, cerdos, ganado.
Solicita el crédito actual para comprar abonos, urea, fertilizantes, líquidos mata plagas. Con la ayuda del crédito podrá salvar la producción.
Las compras y las ventas lo hace en Guaranda cada 15 días. El sueño es poder tener un vehículo que sea propio. Los desafíos a los que se enfrenta es el transporte y el clima.
En el tiempo libre le gusta jugar boly y disfrutar de las fechas del carnaval.
Angel esta muy agradecido por la ayuda del CREDITO ANTERIOR porque ha trabajado y comprado los insumos para los cultivos y obtener màs ingresos Para cubrir las neceisdades de la familia.
Previous Loan DetailsAngel Segundo A. M. is 47 years old. He is married, and he lives with his wife and his single children in the canton of Guaranda in Bolivar province. He has 5 children. The members of the rural communal bank "Grupo Enmanuel" are located in Recinto San Juan, which is part of the canton of Gua... More from Angel Segundo's previous loan »
About Cooperativa San JoseThis 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!
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid