Update on Elias RamonElias Ramón, 32, is single living with his brother in Recinto Rancho Grande that is part of Ventanas Canton; he does not have any children.
The “Bendición de Dios” (God’s Blessing) communal bank is located in Recinto Rancho Grande in Puerto Pechinche Parish located 45 minutes from the office; it has 11 members.
Elias Ramón works in agriculture growing corn and rice and also raises pigs; he owns a horse. He’s requesting the loan to buy urea, fertilizer, organic manure, supplies and insecticide. With help from this loan he will buy the manure and improve his crops.
He does his purchases and sales weekly. His dream is to buy a farm. The challenge he faces is crop pests. He enjoys working and playing ball in his free time. He is very grateful for the previous loan.
La VRC Bendición de Dios se encuentra ubicada en el Recinto Rancho Grande de la parroquia Puerto Pechiche a 45 minutos de la oficina, está conformada por 11 socios.
ELIAS RAMON se dedica a la agricultura,a la siembra de maíz, arroz además se dedica a la crianza de cerdos y tiene un caballo. Solicita el crédito para comprar urea, fertilizantes, abonos orgánicos, insumos, insecticidas. Con la ayuda del crédito podrá comprar los abonos y mejorar los cultivos.
Las compras y ventas las ejecuta en ventanas de cada semana. el sueño es comprar una finca. Los desafíos a los que se enfrentan son las plagas que se presentan en los cultivos.
En el tiempo libre le gusta trabajar y jugar pelota.
"Esta muy agradecido por el crédito anterior".
Previous Loan DetailsElias Ramón is 31 years old, single, and lives with his brother in Rancho Grande, in Ventanas canton. He does not have any children. The 'Bendición de Dios' (God's Blessing) community bank is located in Rancho Grande, in Puerto Pechiche parish, 45 minutes from the office. It has 11 members.… More from Elias Ramon'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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