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Carlos Ramon
Carlos Ramón, 23, has two children; he’s married and lives in the city of Guaranda, Bolívar Province. He works as an English teacher.

He’s asking for a loan to do some home improvements like installing doors, windows, replacing the roof, etc. With help from the loan he will be able to do the needed improvements.

His dream is to be able to buy a vehicle for the family. The challenge he faces is to continue improving himself every day for his and his family’s wellbeing. In his free time he likes playing sports like soccer and volleyball.
View original language description ↓
Carlos Ramón tiene 23 años de edad, tiene dos hijos es casado vive en la ciudad de Guaranda Provincia Bolívar.

Carlos Ramón es maestro da Inglés en una escuela primaria.
Solicita el crédito para realizar arreglos en su vivienda para comprar puertas, ventanas, cambiar el techo, etc.

Con la ayuda del crédito podrá mejorar su vivienda haciendo los arreglos requeridos.

El sueño es poder comprar un vehículo para la familia.
Los desafíos a los que se enfrenta es seguirse superando cada día para el bienestar propio y de su familia.

En el tiempo libre le gusta realizar deporte como jugar futbol y vóley boll.

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
  • 43
    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 $1,500 helped Carlos Ramon to purchase doors, windows, and to change the roof of his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 22, 2012
Apr 26, 2012
Currency Exchange Loss:
Sep 20, 2012