Carlos Guillermo is 36 years old, married and lives with his wife and children in the hamlet of Guaranda in the provide of Bolívar. He has seven children.
The members of the communal bank "Sagrado Corazón" [Sacred Heart] are located in the Cuatro Esquinas area belonging to the Guaranda hamlet, fifteen minutes away from the cooperative's office. This group is made up of 12 members who raise crops and livestock in commercial enterprises, as well as other income-producing activities.
Carlos earns a living in farming. He grows potatoes, wheat and corn on his own land. He also has four head of cattle. He does his purchasing in the Guaranda market and his selling in the wholesale market of the same city. He is seeking the loan to purchase supplies for growing his crops and feed for his animals. With the support of the loan he would be financially helped to supply his needs. He faces challenges such as foot and mouth disease in his cattle. His dream is to buy a house in the area where he lives.
He likes to play sports and celebrate the Christmas and New Year's holidays, as well as Carnaval and San Pedro's Day.
Carlos Guillermo tiene 36 años, es casado vive con la esposa y con los hijos en el Cantón Guaranda Provincia de Bolívar. Tiene 7 hijos.
Los miembros de la V.R.C. SAGRADO CORAZON se encuentra ubicada en el sector Cuatro Esquinas perteneciente al cantón Guaranda a una distancia de 15 minutos de la oficina de la cooperativa, esta ventanilla integran 12 socios que se dedican a la agricultura, crianza de animales y a la comercialización de los mismos y otras actividades que da utilidades.
Carlos se dedica a la agricultura siembra papas, trigo, maíz en tierras propias, ademas tiene 4 cabezas de ganado. Las compras las realiza en el mercado de Guaranda y las vende en el mercado mayorista de la misma ciudad.
Solicita el crédito para la comprar de insumos para los cultivos y alimento para los animales. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrenta desafios como es la Fiebre Aftosa en el ganado. Su sueño es comprar una casa en el sector donde vive.
Le gusta hacer deporte y festejar las fiestas de navidad, fin de año, carnaval y San pedro.
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!