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Vicente, 59, is married with three children, 28-, 25-, and 19-years old, respectively. He lives with his family in Guaranda, a city in Bolivar province.

The Tagma Ruminahui community bank has 14 members. It is 25 minutes or so from our office in San Simon. The members operate farming and livestock businesses.

Vicente is a farmer. He grows potatoes and maize, raises cattle and sells milk. He is applying for a loan that he will use to buy cows for his milk business. The investment will allow him to grow the business. He sells what he produces in Guaranda.

For the future, Vicente wants to buy a truck because transportation is his biggest challenge.

In his spare time, he likes to rest! He also enjoys local fairs.
View original language description ↓
Vicente es casado tiene 59 años de edad, tiene tres hijos de 28,25 y 19 años vive con su esposa e hijos en la ciudad de Guaranda Provincia Bolívar.

La VRC Tagma Rumiñahui esta conformada por 14 socios esta VRC queda casi a 25 minutos de la oficina en San Simón se dedican a la agricultura y Ganadería.

Vicente se dedica a la agricultura y cultivar y vender papas, maíz venta de leche y crianza de ganado.
Solicita el crédito para compra de ganado lechero. Con la ayuda del crédito podrá incrementar los animales. La compra lo hará en la ciudad de Guaranda.

El sueño del señor es poder comprar un vehículo para comodidad de la familia. Los desafíos a los que se enfrenta es el transporte.

En el tiempo libre le gusta descansar y disfrutar de los carnavales de la provincia.

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
  • 85
    View loans »
    Ecuador Loans Fundraising
  • $25,054,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Vicente to buy cows for his milk sales business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 22, 2012
Jun 23, 2012
Currency Exchange Loss:
Jun 17, 2013