Juana Piedad Z. N. is fifty-three years old and lives with her partner in the canton of Chillanes, in Bolivar province. She has eight children. Juana is a member of the rural bank "Genesis," which is located about two hours from Chillanes. There are eleven members in the group who make a living, for the most part, growing corn, rice, soy, plantains, papaya, and other crops. Juana makes her purchases and sells her products in Mata de Cacao whenever she needs something. She is taking out a loan to plant more corn, which will provide her with more income. She dreams of growing her farm and continuing to work. In her spare time, she like to play with her grandchildren on the patio.
Juana Piedad Z. N. tiene 53 anos. Vive en union libre en el canton de Chillanes en la província de Bolívar. Tiene 8 hijos.
Juana 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.
Juana se dedica a la agricultura, al cultivo de maiz, arroz, y soya. Realiza sus compras y sus ventas en Mata de Cacao cada vez que necesita una cosa.
Solicita el credito para sembrar mas maiz, que le va a dar mas ganancia. Su sueno es crecer mas con la finca y seguir trabajando.
En su tiempo libre, le gusta jugar con sus nietos en el patio.
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!