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Gumercindo Segundo
Gumercindo Segundo Barragán M. is 71 years old. He is married and lives in San Miguel Canton in the province of Bolivar. He has 6 children; they are 50, 45,42, 40, 39 and 37 years old.

Gumercindo is a member of the San Isidro rural ventanilla ( rural loan group), which is an hour and a half away from San Miguel. There are 10 members, the majority of the members farm corn and wheat.

Gumercindo works in agriculture and raises animals (livestock) as a source of income for his family. He also plants corn. He makes purchases and sales of his products in a community closer to him, in San Pablo.

He is requesting this loan in order to buy fertilizer and a small amount of livestock. With the support of this loan, he hopes to improve the economic condition of his family. His goal for the next few years is that the household will be sustained and that there are medications. The challenge is that the prices have fallen in the livestock market.

He likes to participate in the unique customs of his community like the San Isidro celebration, who is the patron saint of the community.

View original language description ↓
Gumercindo Segundo Barragán M. tiene 71 anos. Es casado y vive en el cantón de San Miguel en la provincia de Bolívar. Tiene 6 hijos de 50, 45, 42, 40, 39, y 37 anos.

Gumercindo es un socio de la ventanilla rural San Isidro, que está ubicada a una hora y media de San Miguel. Son 10 socios en total, que en la mayoridad se dedican al cultivo de maíz y trigo.
Gumercindo se dedica a la agricultura y a la cria de animales (ganado) como fuente de ingresos de su familia. Lo que mas siembra es el maíz. Realiza las compras y las ventas de sus productos en la comunidad mas cerca, San Pablo.

Solicita el crédito para comprar abonos y un ganado pequeño. Con el apoyo de este credito espera mejorar las condiciones economicos de su familia. Su meta para los proximos anos es que haya el sosteniento del hogar y que hay medicinas. Un desafió es que el mercado de ganado se ha bajado de precio.

Le gusta participar en las costumbres únicas de su comunidad como San Isidro, el patron de la comunidad.

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
  • 46
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Gumercindo Segundo to buy agricultural fertilizers and a small amount of livestock.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Sep 3, 2010
Oct 1, 2010
Currency Exchange Loss:
Oct 15, 2011