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Angel Ramiro
Angel is 59, married, has no children, and lives with relatives in the Chimbo province of Bolivar.

Angel works in agriculture planting corn and wheat. He is requesting the loan to buy fertilizer, urea, insecticide and seeds.

With the help of the loan, he will be able to purchase what he needs to work the land.

His dream is to accomplish the work. The challenges he faces are competition and bad weather. In his spare time he enjoys being with his family.
View original language description ↓
ANGEL tiene 59 años de edad es casado no tiene hijos, vive en casa de unos familiares en Chimbo Provincia de Bolívar.

Angel se dedica a la agricultura a la siembra de maíz, trigo. Solicita el crédito para comprar fertilizantes, urea, insecticidas, semillas.

Con la ayuda del crédito podrá comprar lo que le hace falta para trabajar en los terrenos.

El sueño es cumplir con el trabajo. los desafíos a los que se enfrenta es la competencia y el mal clima. En el tiempo libre le gusta reunirce con la familia.

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
  • 101
    View loans »
    Ecuador Loans Fundraising
  • $25,071,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Angel Ramiro to buy fertilizer, urea, insecticide and seeds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 2, 2013
May 20, 2013
Currency Exchange Loss:
Jun 17, 2014