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Angel Oswaldo
Angel Oswaldo is 45 years old, married, and lives with his wife and children in the canton of Guaranda in Bolivar Province. He and his wife have five children.

The members of the Communal Bank “Grupo Pucara” meet in the community of Pucara, Guanujo Parish, Guaranda Canton. This area is located 15 minutes away from the office of Cooperativa San Jose. The 22 members of this group engage in agriculture, livestock breeding, and selling legumes.

Angel is a farmer and livestock breeder. He has 18 plots of land designated for growing potatoes and providing open pasture. In addition, he has 10 dairy cows that he will take to market. He purchases his supplies at the market in Guaranda and then sells his products at the wholesale market in the same city.

Angel is requesting a loan to buy supplies and feed for his animals. The support he is receiving through this loan will help meet his financial needs. Among the challenges he faces are pests, diseases, and changes in weather. His dreams include improving his business, buying more cattle, and helping his children with their studies.

Angel enjoys spending time with his family and celebrating the carnival festivities.

View original language description ↓
Angel Oswaldo tiene 45 años, es casado vive con la esposa y los hijos en el Cantón Guaranda Provincia de Bolívar. Tiene 5 hijos.

Los miembros de la V.R.C. GRUPO PUCARA se encuentra ubicada en la comunidad Pucara Parroquia Guanujo, cantón Guaranda a una distancia de 15 minutos de la oficina de la cooperativa, esta ventanilla integran 22 socios que se dedican a la agricultura, crianza de animales y a la comercialización de venta de legumbres.

Angel se dedica a la agricultura y ganadería tiene 18 cuadras de terreno, siembra papas, tiene potreros, además 10 cabezas de ganado de vacas lecheras que las comercializa. Las compras las realiza en el mercado de Guaranda y las vende en el mercado mayorista de la misma ciudad.

Solicita el crédito para la comprar de insumos y alimentación de los animales. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es mejorar el negocio, comprar mas ganado y ayudar a los hijos con el estudio.

Le gusta pasear con la familia y festejar las fiestas del carnaval.

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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Angel Oswaldo to purchase farming supplies and feed for his animals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 19, 2011
May 23, 2011
Currency Exchange Loss:
Jun 27, 2012