Janneth Margoth T. G. is 52 years old, single, and lives with her 85-year-old mother.
They live in Chillanes canton in the province of Bolívar. Janneth is a member of the Santa Rosa de Agua Clara rural loan group, which is located 2 hours away from Chillanes canton. There are 15 members of the group, and most of them have small businesses.
Janneth’s business consists of a small general store with phone booths. She purchases her products in Guayaquil and Bucay and then sells them in Santa Rosa de Agua Clara.
Janneth is asking for a loan so that she can increase her business. Her goal is to enlarge her business or to have a small company. The biggest challenge she faces in her business is competition, while the biggest challenge in her family right now is health issues.
Therefore, her family is devoutly Catholic and very close.
Janneth Margoth T. G. tiene 52 años, es soltera, y vive con su mama de 85 años de edad.
Ellas viven en el cantón de Chillanes en la provincia de Bolívar.
Janneth es un miembro de la ventanilla rural Santa Rosa de Agua Clara, que está ubicada a una distancia de 2 horas del Cantón Chillanes. Son 15 socios en total, los cuales la mayoría tienen pequeños negocios.
Janneth tiene un negocio de cabinas telefónicas y bazar. Ella compra sus productos en Guayaquil y en Bucay y vende en Santa Rosa de Agua Clara.
Janneth solicita el crédito para incrementar su negocio. Su meta es agrandar el negocio o tener una microempresa. Los desafíos que ella enfrenta en el negocio es la competencia y el desafío en su familia es la salud.
Por lo tanto, su familia es bien católica y unida.
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!