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Ramon  Bartolome
Ramón is a man of advanced age; he is 63 years old and nostalgically remembers his childhood with his family, when he was able to complete primary school. He is married to Bella, who is 59 years old and works selling cosmetics from catalogs. Together, they have shared the joy of watching their son—now an independent adult with his own family—grow up. Ramón lives with his wife in the Río Verde parish of Santo Domingo, a city in Ecuador that has become one of the most important inland commercial hubs, as it is where the coastal and mountain regions of the country meet. As such, it is where a wide variety of different kinds of products are exchanged, from tropical fruits to fresh seafood brought from the ocean. Because of this opportunity that the city has, many families have gone out and earned a living through small businesses within different industries such as fishing, banana farming, manufacturing, agriculture, and livestock production. In addition, they take advantage of the flow of national and international tourists to develop the tourism industry with extreme sports and treks to landscapes of incomparable natural beauty.

Ramón is is part of this group of enterprising families, as he inherited his family's hardworking spirit. In addition, a friend taught him the business of selling fish, which he has done for 24 years; he had to work starting from childhood to contribute to household expenses. This young-at-heart man invests eight hours of his daily life to selling his product. At dawn he goes to the ports to get the fresh fish to take it immediately and with the necessary hygienic measures to his sales stall, located in his house. As one might expect, he sells all the fish each day; otherwise, it must be frozen at extremely low-temperature so that nothing spoils. Now Ramón needs a loan that will help him to acquire work tools and equipment to keep his assets in good conditions. Then he will be able to store more product and buy a variety of fish at a greater discount in order to offer his customers a more competitive price. That will generate greater profits, which he can put into savings to provide for the health and living expenses of his golden years with his wife.

Ramón is grateful for every grain of sand that is contributed from any part of the world through Kiva so that he can grow his business, because despite his age, nothing has stopped him from striving every day in his work. He is also grateful to Fundación Alternativa, from whom he has received support, trust, and flexibility—which are lacking in many financial institutions—to increase his working capital.
View original language description ↓
Ramón es un hombre de edad avanzada, tiene 63 años y con nostalgia recuerda sus años de infancia con su familia donde pudo terminar la escuela primaria. Está casado con Bella quien tiene 59 años y se dedica a la venta de cosméticos por catálogo, juntos han compartido la dicha de ver crecer a su hijo que ahora ya es un adulto independiente que formó su familia. Ramón vive con su esposa en la Parroquia de Río Verde en Santo Domingo, una ciudad del Ecuador que se ha convertido en uno de los puertos terrestres más importantes a nivel comercial, pues es en donde se unen las Regiones Costa y Sierra del país y por lo tanto en donde se intercambian productos de distinta índole y variedad; desde frutas tropicales hasta mariscos frescos traídos del mar. Por esta oportunidad que tiene la ciudad, muchas familias han salido y producido su sustento a través de la microempresa en diferentes industrias como la pesquera, bananera, manufactura, agricultura y ganadería. Además el paso de turistas nacionales internacionales es aprovechado para explotar la actividad turística con deportes extremos y caminatas a paisajes que tienen una belleza natural incomparable.
Ramón forma parte de estas familias emprendedoras, pues heredó el espíritu trabajador de su familia y además un amigo le enseñó la actividad de comercializar pescado en la cual ya lleva 24 años, pues desde niño tuvo que trabajar para apoyar en el gasto de su hogar. Este hombre con alma aún joven, invierte 8 horas en su diario vivir para sacar a la venta su producto, el madruga a los puertos a retirar el pescado fresco para enseguida y con los debidos cuidados higiénicos, llevarlo a vender a un puesto que está ubicado en su residencia. Como es de suponerse el pescado es vendido en su totalidad cada día, de lo contrario tiene que ser congelado en temperatura bajísima para que no se eche a perder. Ahora Ramón requiere un préstamo que le ayudará a adquirir herramientas de trabajo y equipo para mantener en buen estado los activos que posee. Así podrá abastecerse de mayor producto y comprar variedad con mayor descuento para ofrecer a sus clientes un precio más competitivo que le generará mayor utilidad para poder disponer de un ahorro que responda a sus necesidades de salud y sustento en los años de su vejez con su esposa. Ramón agradece por cada granito de arena que se ponga desde cualquier parte del mundo a través de Kiva para que él crezca en su negocio ya que a pesar de su edad, nada lo ha detenido para seguir luchando cada día por su trabajo. También agradece a Fundación Alternativa de quienes ha recibido el apoyo, la confianza y agilidad que en varias instituciones financieras le hizo falta para incrementar su capital de trabajo.

Additional Information

About Fundación Alternativa

Fundación Alternativa encourages entrepreneurship and provides sustainable financial and non-financial services that promote social and economic development in Ecuador. The organization focuses on serving poor and excluded populations through analysis of clients' living conditions and by providing business training and other support services in urban, rural and marginalized parts of the country.

About Ecuador

  • $10,200
    Average annual income
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $23,216,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Ramon Bartolome to purchase tools and work equipment.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 28, 2013
Listed
Apr 20, 2013
Currency Exchange Loss:
N/A
Ended:
Apr 17, 2014