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Miguel Wilfrido
Miguel Wilfrido M. G. is 66 and married. He is a farmer. He lives with his wife and four children. They have six children in all; two of them are working in Quito.

He belongs to the San Jose de las Orquideas Communal Bank, which is located 15 minutes from the city of San Miguel in the San Jose de Palmas community. Most of the community’s residents are farmers who grow potatoes and corn as their primary crops.

Miguel plants corn and potatoes in great quantity. He has other crops that grow solely for consumption. He has his own house and two and a half blocks of land where he plants his crops. He sells his products in the fairs in the city of San Miguel.

He is asking for a loan to buy agricultural supplies. His hope in life is that his children finish their education. But, that is not always possible because of the economic situation. Young people sometimes have to miss school in order to work and help their parents with the farming.

Miguel is also a carpenter. He makes furniture and doors for houses, and he really likes this work.
View original language description ↓
Miguel Wilfrido M. G. tiene 66 años, es casado y se dedica a la agricultura. Vive con su esposa y 4 hijos. Tiene 6 hijos en total, 2 de ellos están trabajando en Quito.

El socio pertenece a la ventanilla rural "San Jose de las Orquideas" que está ubicada de 15 minutos de la ciudad de San Miguel en la comunidad de San Jose de Palmas. La gran parte de la comunidad son agricultores y crecen papas y maíz como los principales cultivos.

Miguel siembra maiz y papas en grandes cantidades y tiene otros cultivos que crece solo para consumir. Tiene una casa propia y 2 cuadras y media de terreno en las que siembra sus cultivos. Vende todos sus productos en las ferias en la ciudad de San Miguel. Solicita el crédito para comprar insumos agrícolas.

Su esperanza en la vida es que sus hijos culminen sus estudios, pero no siempre es posible por la situación económica. Los jovenes a veces tienen que ausentarse para trabajar y ayudar a sus padres en la agricultura.

También Miguel es carpintero aparte de la agricultura. Hace muebles y puertas para casas y le gusta mucho dedicarse a esta actividad.

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
  • 91
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Miguel Wilfrido buy farming supplies.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Feb 4, 2010
Feb 19, 2010
Currency Exchange Loss:
Jan 15, 2011