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Fernando Hermenegildo
Fernando Hermenegildo is 38 years old. He has four children and lives in a civil union. He lives with his spouse and children in the city of Ventanas, in Provincia de los Ríos.

He is a member of VRC AVANZA. The members of this group are all agriculturalists that live the zone Recinto Aguas Frías. They grew up in this region and the majority earn a living working in agriculture or with livestock.

Fernando Hermenegildo earns a living in agriculture, planting corn. In addition, he raises hens and pigs. He is requesting this loan to buy supplies, urea, animal feed and chickens. With the help of this loan he will be able to continue increasing his crop and buy chickens.

He will make purchases in the city of Ventanas every 15 days and every 4 months he will sell. An obstacle that he faces is a lack of money. His dream is to have his own house and to move forward successfully with his family. In his free time he likes to work in the garden.
View original language description ↓
FERNANDO HERMENEGILDO tiene 38 años de edad de estado civil unión libre tiene cuatro hijos, vive con los hijos y la conyugue en la ciudad de Ventanas Provincia de los ríos.

Es integrante de la VRC AVANZA sus miembros se dedican a la Agricultura todos viven en el Sector del Recinto Agua Frías, prácticamente se han criado en esa zona, se dedican a Labores agrícolas u pecuarias en su mayoría.

FERNANDO HERMENEGILDO se dedica a la agricultura a la siembra de maíz, además se dedica a la crianza de gallinas y cerdos. Solicita el crédito para comprar insumos, urea, balanceado y pollos. Con la ayuda del crédito podrá seguir creciendo con los cultivos y complar los pollos.

Las compras las realizará en la ciudad de Ventanas cada 15 días y las ventas cada 4 meses. Los desafíos a los que se enfrenta es la falta de dinero.
El sueño es tener casa propia y salir adelante con la familia. En el tiempo libre le gusta realizar huertos.

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

  • $10,200
    Average annual income
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $23,142,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Fernando Hermenegildo to buy supplies, urea, animal feed and chickens.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Oct 26, 2012
Listed
Nov 21, 2012
Currency Exchange Loss:
N/A
Ended:
Jul 17, 2013