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Jose Miguel
Jose is 32 years old and lives with his common-law partner and their three children in the community of Terrenal in the canton of Pueblo Viejo, Los Ríos province. He belongs to the Terrenal Community Bank and works as a farmer and fisherman.

Jose grows corn and rice. With the money from the loan he will be able to buy agricultural supplies such as fertilizer, manure, and insecticide so that his crops don’t suffer from pests and diseases. He will buy these supplies in the town of Pueblo Viejo.

His dream is to build a house of his own as he currently rents his home. In his free time, at weekends for example, Jose enjoys playing sports such as soccer.
View original language description ↓
Jose tiene 32 años de edad de estado civil Unión Libre tiene tres hijos vive con la compañera y con los hijos en el Recinto Terrenal perteneciente al Cantón Pueblo Viejo Provincia de Los Ríos.

Pertenece a la Ventanilla TERRENAL se encuentra ubicada el recinto TERRENAL, perteneciente al cantón Pueblo Viejo se dedica a labores agrícolas y pecuarias.

Jose se dedica a la agricultura a la siembra de maíz y arroz. Con el crédito podrá comprar insumos como: fertilizantes, abonos, insecticidas para evitar las plagas y enfermedades. Las compras las realiza en la ciudad de Pueblo Viejo.

El sueño es contruir la casa ya que vive en casa arrendada, en los tiempos libres como por ejemplo los fines de semana le gusta hacer deporte como jugar indor.

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
  • 32
    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 $600 helped Jose Miguel buy fertilizer, manure, and insecticide.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jan 22, 2013
Feb 1, 2013
Currency Exchange Loss:
Aug 23, 2013