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Luis Humberto
Luis Humberto M. M., 58, is a widower living alone in San Miguel Canton, Bolívar Province; he does not have any children.

The “CALZADO SOLIDARIO” communal bank is located in Calzado which belongs to San Miguel Canton and is located half an hour from this office. It has 12 members who are short cycle corn, potato and broad bean farmers; they also raise cattle and barnyard animals.

Luis is a corn, potato and broad bean farmer and raises cattle. He buys his supplies in the San Miguel market every week and sells them at the Thursday farmers market in San Miguel.

He is requesting the loan to buy seed for his crops and to buy feed for the animals. Support from the loan will help him economically to meet his needs. The challenges he faces are infestations, illnesses and weather fluctuations. His dream is to improve his economic situation.

He likes that the loans are for larger amounts because supplies prices are more expensive.
View original language description ↓
Luis Humberto M. M. tiene 68 años, Es viudo vive solo en el Cantón San Miguel Provincia de Bolívar. No tiene hijos.

Los miembros de la V.R. C CALZADO SOLIDARIO se encuentra ubicada en el recinto el Calzado pertenece al Cantón San Miguel, a media hora de la oficina esta ventanilla de 12 miembros se dedica a las labores agrícolas en ciclo corto de siembra maíz, papas fréjol, y a la cría de animales de corral y ganado vacuno.

Luis se dedica a la agricultura a la siembra de maíz, papas, fréjol y a la cría de ganado vacuno. Compra sus productos en el mercado de San Miguel cada semana y los vende en la feria de los jueves en San Miguel.

Solicita el crédito para la comprar de semillas de sus cultivos y comprar comida para los animales. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrentar desafíos como las plagas y enfermedades y la variedad del clima. Su sueño es mejorar la situación económica.

Le gusta que los créditos sean de un monto mas alto ya que los productos están mas caro.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,587,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Luis Humberto to buy seed for his crops and feed for his animals.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Feb 25, 2011
Mar 16, 2011
Currency Exchange Loss:
Jan 15, 2012