Verónica is a member of the Communal Bank “Valle Alto” (High Valley), which is located in the district of Voluntad de Dios and an hour and a half away from Ventanas. There are 23 members in total, most of whom engage in agriculture. This is the second loan they have received from Cooperativa San José.
Verónica is a farmer who grows rice and beans. She buys her supplies each month in the city of Ventanas and sells her products at the Peña commercial market which is in the same area.
The loan she is requesting will be invested in the purchase of seeds for planting rice and beans. She views this loan as an opportunity to get ahead. Her dreams include buying a car and opening a business in Ventanas. The challenges she faces include the pests and diseases that can impact her crops.
Verónica enjoys products that are sold through magazines.
Verónica es una socia de la ventanilla rural la “Valle Alto”, que está ubicada en el Recinto Voluntad de Dios a hora y media de Ventanas. Son 23 socios en total, que en la mayoridad se dedican a la agricultura. Esto es el segundo préstamo que ellos realizan en la Cooperativa San José.
Verónica se dedica a la agricultura, siembra arroz y fréjol. Realiza sus compras cada mes en el la ciudad de Ventanas y vende los productos en el Comercial Peña o en la misma localidad.
Solicita el préstamo para invertir en la compra de semillas de arroz y fréjol. Piensa que el crédito es una oportunidad para salir adelante. Sus sueños comprar un carro y tener un negocio en Ventanas. Enfrenta desafíos como las plagas y enfermedades.
Le gusta vender productos por medio de revista.
About Cooperativa San JoseThis 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!
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Success!! The loan was 100% repaid