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Shirley Margoth

Update on Shirley Margoth

Shirley Margoth is 31 years old, married, and lives with her husband and two children in the canton of Ventanas in Los Ríos Province.

The members of the Communal Bank “Luchando por Una Misma Causa” (Fighting for a Same Cause) are from the neighborhood of La Primavera in the canton of Ventanas. All of the members of this Communal Bank are short-cycle farmers who grow corn and rice.

Shirley Margoth is a farmer who grows corn, rice, and pigeon peas. Her purchases are made in the city of Ventanas. She is requesting a loan in order to buy seeds, supplies, urea, and fertilizers for her crops. With the support of this loan, she will be able to improve her plantings. Shirley’s dream is to repair her house. The challenges she faces include pests, such as army worms and fungi.

In her free time, Shirley likes to dance and clean her house.

View original language description ↓
Shirley Margoth tiene 31 años, Es casada vive con el esposo y con los dos hijos, en el Cantón Ventanas Provincia de los Ríos.

Los miembros de la V.R.C. LUCHANDO POR UNA MISMA CAUSA, se encuentra ubicada en el en el Recinto La primavera, perteneciente al Canton Ventans, esta ventanilla se dedica a labores agrícolas de ciclo corto siembra de maíz y arroz.

Shirley Margoth se dedica a la agricultura a la siembra de maíz, arroz y frejol. Las compras lo hace en la ciudad de ventanas.

Solicita el crédito para comprar semillas, insumos, urea, fertilizantes para los cultivos. Con el apoyo del crédito le ayudaría a mejorar los sembrríos. El sueño es arreglar la casa. Los desafíos a los que se enfrenta son las plagas el cogollero y la lancha.

En el tiempo libre le gusta bailar y limpiar la casa.

Previous Loan Details

Shirley Margoth is 31 years old. She is married, and she lives with her husband and their two children in the Ventanas canton, Los Ríos province. The members of the “Luchando Por Una Misma Causa” (Fighting for the Same Cause) communal bank are in the La Primavera neighborhood in the Ventanas c... More from Shirley Margoth's previous loan »

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!

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 Ecuador

  • $10,600
    Average annual income
  • 77
    View loans »
    Ecuador Loans Fundraising
  • $25,604,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Shirley Margoth to buy seeds, farming supplies, urea, and fertilizers.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Nov 15, 2012
Nov 22, 2012
Currency Exchange Loss:
Jul 18, 2013