Mariana Santos E. S. is fifty years old and lives in the canton of Chillanes, in Bolívar province. She has three children: twins, a thirty-one year old, and a twenty-five year old daughter. Mariana is a member of the communal bank "Genesis," which is located two hours from Chillanes. There are eleven members in total, who for the most part, cultivate corn, rice, soy, plantains, papaya, and other crops for a living. Mariana is a farmer who cultivates soy, corn, and beans. She makes her purchases and sells her products in Mata de Cacao each week. She is taking out a loan for her farming and is going to invest it in planting more corn and beans. Her dream is to have a bigger business and to keep growing. She does house work like cooking, straightening up the house, and helping her family when she has free time.
Mariana Santos E. S. tiene 50 anos. Vive en union libre en el canton de Chillanes en la província de Bolívar. Tiene 3 hijos: 2 gemelas de 31 anos y una hija de 25 anos.
Mariana es una socia de la ventanilla rural Genesis, que esta ubicada casi 2 horas de Chillanes. Son 11 socios en total, que en la mayoridad se dideican al cultivo de maiz, arroz, soya, platano, papaya, y otros.
Mariana se dedica a la agricultura, al cultivo de soya, maiz, y frijol. Realiza sus compras y ventas de sus productos en Mata de Cacao a la semana.
Solicita el credito para su agricultura. Lo va a invertir en sembrar mas maiz y frijol. Su sueno es sacar un negocio mas grande y seguir creciendo.
En su tiempo libre hace cosas en la casa como cocinar, arreglar la casa, y ayudar a su familia.
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!