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Miguel  Otilio
Miguel is 21 years old, single and lives with his son in the Chillanes settlement of the Bolívar province.

He is a member of the Unión Central Parroquia San José del Tambo and is a farmer who also raises animals and sells them in the community, located one hour away from the co-op.

Miguel raises sugar cane, cacao, and animals like chickens and livestock.

His challenge are the insects that affect his productions.

He likes to walk among his crops, watch TV and attend the San Jose festivals.
View original language description ↓
Miguel tiene 21 años de edad es soltera tiene un hijo vive con su hijo en el Cantón Chillanes Provincia


Es integrante de ventanilla Unión Central Parroquia San José del Tambo actividad económica agricultura,

crianza de animales y comercio la comunidad se encuentra a una hora de la cooperativa.

Miguel se dedica a la acuicultura como a la siembra de caña, cacao y a la crianza de animales como gallinas

y ganado.

Solicita el crédito para dar mantenimiento a las huertas de cacao.

La compra lo realiza en San José del tambo.

Su sueño es perfeccionar técnicamente el manejo del cultivo del cacao para una mejor producción.

El desafío que se enfrenta es las plagas que afectan a la producción.

En el tiempo libre le gusta caminar libremente por los cultivos, ver televisión y las fiestas de San José.

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
  • 35
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Miguel Otilio to maintain his fields.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 12, 2013
May 1, 2013
Currency Exchange Loss:
Jun 23, 2014