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Holger Ramiro
Holger Ramiro, 44, is married and has two children; he lives with his wife and children in Chimbo, Los Ríos Province. He works in agriculture growing dry grains like corn, wheat, lentils and barley. He’s requesting the loan to buy quality seeds, urea, Ranger [herbicide] and weed killing liquid. The challenge he faces is competition. His dream is to buy a pick-up truck to transport the grains and increase sales for his family’s well-being. He likes to enjoy his family in his free time.
View original language description ↓
HOLGER RAMIRO tiene 44 años de edad es casado tiene dos hijos, vive con los hijos y con la esposa en Chimbo Provincia de los ríos.

HOLGER RAMIRO se dedica a la agricultura a la siembra de granos secos: maíz, trigo, lenteja, ceada. Solicita el crédito para comprar semillas de calidad, urea, ranger, líquido mata monte.

Los desafíos a los que se enfrenta es la competencia. El sueño es comprarce una camioneta para transportar los granos e incrementar las ventas para el porvenir de la familia.

En el timpo libre le gusta disfrutar 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
  • 42
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Holger Ramiro to buy quality seeds and farm supplies.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jan 8, 2013
Feb 1, 2013
Currency Exchange Loss:
Mar 18, 2013