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Lety Michael
Lety, age 21, is single and lives with her mother in a relative’s house in San Miguel Province in Bolivar.

She belongs to the Santiaguaeña communal bank in the Santiago parish, which belongs to the San Miguel canton. It is 15 minutes from the San Miguel office. There are 12 members in this communal bank. They devote themselves to agricultural activities like growing corn, beans, and potatoes. Lety devotes herself to agriculture and raising animals. She grows corn, beans, and potatoes. She also has laying hens, and she sells the eggs. She fattens pigs and later sells them.

She needs the loan to buy seeds, fertilizer, compost, and balanced feed for the animals. She will make her purchases in the city of Guaranda, and she sells at the San Miguel Thursday fair. She has faced challenges like pest infestations.

Her dream is to improve the crops and that people from father away recognize her products. She wants this to happen so that she can go to sell in other provinces. She likes to enjoy parties with her friends and relatives.
View original language description ↓
Lety tiene 21 años de edad es soltera vive con la mama en casa de familiares en San Miguel Provincia de Bolivar.

Pertenece a la venatnilla Santiagueña esta ubicada en la Parroquia Santiago pertenece al Canton San Miguel A 15 minutos de la Oficina San Miguel en esta ventanilla tiene 12 miembros que se dedican a actividades agricolas como simbre de maiz, frejol y papas, ademas de esto se dedican a la crianza de animales como gallinas ponedoras y engorde de cerdos.

Lety se dedica a la agricultura y crianza de animales como: siembra de maiz, frejol y papas, ademas tiene gallinas ponedoras donde los huevos vende y engorda cerdos para luego venderlos. Nesecita el credito para la compra de semillas fertilizantes abonos ademas balanceado para los animales.

Las compras las realiza en la ciudad de Guaranda y las vende en samiguel en la Feria de los Jueves. Ha enfrentado desafios como las plagas en las plantaciones.

El sueño es que mejoren los cultivos y que gente de afuera conozca sus productos para salir a vender en otras provincias. Le gusta disfrutar de las fiestas con los amigos y familiares.

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
  • 62
    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 $1,500 helped Lety Michael to buy seeds, fertilizer, compost, and balanced feed for the animals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 16, 2014
Jun 3, 2014
Currency Exchange Loss:
Aug 17, 2015