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José Miguel
José Miguel Guzmán C. is 21, single, and does not have children. He lives in the San Miguel district in the Bolívar province.

He is a member of the Calzado Solidario Communal Bank. It meets in an area that is 15 minutes from the San Miguel district on the way to the coast. There are a total of 19 members in the group, which is composed mainly of farmers and livestock breeders.

José works as a farmer in order to improve his family’s financial situation. He grows corn, potatoes, and a small amount of vegetables. His products are sold at the San Miguel Fair.

The main cultural event is Carnival, which is celebrated every year during the month of February.

José is requesting a loan to buy supplies for his field work and seeds for his vegetable crops. His goal is to generate good economic activity that will support his family. The main challenges that he faces are climate problems and diseases that impact his crops.
View original language description ↓
Josè Miguel Guzmán C. tiene 21 años, es soltero, y no tiene hijos. Vive en el cantón de San Miguel en la provincia de Bolívar.

El socio es miembro de la ventanilla rural Calzado Solidario es un recinto que se encuentra a quince minutos del Cantón San Miguel en la vía a la costa. Son 19 socios en total, los cuales la mayoría se dedican a la agricultura y la crianza de animales menores.

Josè trabaja en la agricultura para incrementar la economía de la familia. Los cultivos que más sobresalen son el maíz, papas y una siembra pocas cantidades de legumbres. Vende los productos en la feria de San Miguel.

La cultura principal es el carnaval que se celebra todos los años en febrero en donde se reúnen todas las familias.

Josè solicita el crédito para comprar insumos para el trabajo del campo y semillas para el cultivo de legumbres. Su meta es tener una buena actividad económica para la familia. Los desafíos que enfrenta son los problemas climáticos y las enfermedades que afectan a los cultivos.

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
  • 33
    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 José Miguel buy supplies and seeds to cultivate his crops.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jan 27, 2010
Feb 21, 2010
Currency Exchange Loss:
Jan 15, 2011