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Jose Miguel

Update on Jose Miguel

According to references from his neighbors, it was possible to affirm that he’s a hardworking young man. He completed primary school but due to economic questions was unable to continue with higher education for he needed to seek work so had to leave his schooling aside.

He’s single but has lived for more than ten years with his spouse who participates in this loan. He has two small children who depend on him for moral and economic support.

It’s noted also that José Miguel has vast experience in civil construction since he’s been in this activity for more than ten years. Today, he’s asking for the present loan to be able to repair his house’s roof. With the granted loan he will be able to live properly because it’s quite damaged and in this way he’ll provide his family with better living conditions.
View original language description ↓
Según referencias de sus vecinos, se pudo afirmar que es un joven trabajador, curso hasta la primaria ya que por cuestiones económicas no prosiguió con sus estudios superiores, viéndose en la necesidad de buscar trabajo y por tanto dejar de lado los estudios; de estado civil soltero pero convive más de 10 años con su conyugue quien participa del presente crédito, tiene dos hijos pequeños, quienes dependen de apoyo moral y económico; indicar además que el Sr. José Miguel tiene gran experiencia en el rubro de la construcción civil ya que lleva más de 10 años en esta actividad; hoy solicita el presente crédito para poder refaccionar el techo de la vivienda en la cual habita, ya que con el crédito se le otorgue ayudara a poder vivir dignamente ya que se encuentra muy deteriorada y de esa forma brindar a su familia mejores condiciones de vida.

Previous Loan Details

José Miguel is a very hardworking person from Tarija. He is 29 years old, married, and has two little children who are 9 and 2 years old. He takes care of them a lot together with his wife. José Miguel did not go to school due to economic and personal problems, so from a young age he dedicated hi... More from Jose Miguel's previous loan »

Additional Information


CIDRE is a Bolivian microfinance institution with a strong social commitment to the community. It works to provide quality financial services to rural and peri-urban borrowers, focusing primarily on agricultural loans for dairy farmers and micro-enterprises. CIDRE targets segments of the population that have not traditionally had access to credit, and invests in much-needed community development projects. It is currently working with coca farmers in the Chapare region to replace coca with less controversial crops. Get more involved by joining the Friends of CIDRE lending team.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Bolivia

  • $5,500
    Average annual income
  • 136
    View loans »
    Bolivia Loans Fundraising
  • $32,164,750
    Funds lent in using Kiva
  • 6.9
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Jose Miguel to repair the roof.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jul 23, 2013
Currency Exchange Loss:
Jan 17, 2014