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Angel Segundo
Ángel Segundo Ramírez A. is 40 years old, is married and has 4 children. He lives in the area of Guaranda in the province of Bolívar.

The member is part of a small rural Group Enmanuel; it is in an area some 45 minutes from, Cantón Guaranda, capital of the province of Bolívar. There are 17 members in total, it is in a farming and cattle community, they are indigenous and all speak Quechua. Ángel works in agriculture to increase the household earnings. The crops that he mostly grows are potatoes, green peas and corn. Moreover, he breeds animals in his home like chickens, lambs, and pigs. Some products he sells at home and what he grows he sells in to the wholesaler market of Guaranda.

The main culture is the carnival that is celebrated every year in February. Ángel also enjoys walking.

The member needs the loan to invest in his field work, mostly to buy fertilizers and manure. His goal is to have a good source of income for his family. The problems that he has to face are climate related and the diseases that hurt his crops.

View original language description ↓
Ángel Segundo Ramírez A. tiene 40 años, es casado, y tiene cuatro hijos. Vive en el cantón de Guaranda en la provincia de Bolívar.

El socio es miembro de la ventanilla rural Grupo Enmanuel es un recinto que se encuentra a cuarenta y cinco minutos del Cantón Guaranda capital de la Provincia de Bolívar. Son 17 socios en total, es una comunidad Agrícola y Ganadera son indígenas hablan Quechua en su totalidad
Ángel trabaja en la agricultura para incrementar la economía de la familia. Los cultivos que más sobresalen son papas, arveja, maíz, además se dedica a la cría animales en la casa como gallinas, borregos y chanchos los productos vende en la casa y lo que siembra vende en el mercado mayorista de Guaranda.

La cultura principal es el carnaval que se celebra todos los años en febrero. También, a Ángel le gusta caminar.

El socio solicita el crédito para comprar insumos para el trabajo del campo y sobre todo para fertilizantes y abonos. Su meta es tener una buena actividad económica para la familia. Los desafíos que enfrenta son los problemas climáticos y las enfermedades que afectan a los cultivos.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Angel Segundo to buy fertilizers and manure.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Mar 3, 2010
Mar 16, 2010
Currency Exchange Loss:
Mar 19, 2011