Update on Segundo RaulSegundo is 41 years old. He is married and has 5 children. He lives with his children and his spouse in the city of Guaranda, province of Bolívar.
He is a member of the Los Pinos communal bank. It is made up of 14 members who are from the same community. They work in farming and are 40 minutes from the Pangua community office.
Segundo works in farming. He grows potatoes, raises cattle and sells cheese. He is asking for the loan to buy cattle. With the help of the loan, he will be able to increase the number of cattle he has and improve the breed. He will do his purchasing in the city of Guaranda.
His dream is to have land to plant. the challenges he faces are poverty and the lack of resources to do his purchasing. In his free time, he likes to play volleyball and enjoy carnaval.
Es integrante de la Ventanilla Los pinos, se encuentra formada por 14 socios que son de la misma comunidad, se dedican a la agricultura queda a 40 minutos de la oficina Comunidad Pangua.
Segundo se dedica a la agricultura a la siembra de papas, crianza de ganado y venta de quesos. Solicita el crédito para comprar un ganado vacuno. Con la ayuda del crédito podrá aumentar el ganado y mejorar la raza. La compra lo realizará en la ciudad de Guaranda.
El sueño tener terrenos para poder sembrar. Los desafíos a los que se enfrenta es la pobreza y la falta de recursos para realizar las compras. En el tiempo libre le gusta jugar boli y disfrutar del carnaval.
Previous Loan DetailsSegundo is 39 years old, married and has four children. He lives in Guaranda, Bolívar province, with his wife and children, ages, 19, 17, 12, and 10. He’s a member of the Ventanilla Pangua communal bank, located in the Pangua Chaupiyacu community of the Guanujo Cantón Guaranda parish. It’s 15… More from Segundo Raul'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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