Angel Misael, 28, is married and lives with his wife and children, aged 10 and 3. He lives in the Recinto El Progreso, which belongs to the Chillanes canton.
There are 13 members of the rural communal bank "El Progreso," which is located 15 minutes from the office in Chillanes. This is the third loan that they have requested. The members of this group are farmers who specialize in short cycle agriculture cultivating cocoa, corn, bananas, soybeans and cassava.
Angel is a farmer who cultivates cocoa, corn, bananas, soybeans and cassava. He makes his purchases in Chillanes and San Pablo, and he sells his produce in the Sunday market in Chillanes.
This loan will help him to buy supplies for his crops such as fertilizers and manure, which will help him to increase the productivity of his croplands. He has confronted challenges such as diseases and pests that affect his crops and illnesses that affect his workers. His dream is to have good health so that he can continue to work and education his children.
In his free time he enjoys going for walks with his children.
Angel Misael tiene 28 años, es casado vive con la esposa y los hijos de 10 y 3 años, vive en el Recinto El Progreso Perteneciente al Cantón Chillanes.
Los miembros de la V.R.C EL PROGRESO, está ubicada a 15 minutos de la oficina en Chillanes, esta constituida por 13 socios es el tercer crédito que solicitan a la cooperativa, los miembros de esta ventanilla se dedican a la agricultura siembran cacao, maiz, platano, soya y yuca.
Angel se dedica a la agricultura siembra cacao, maiz, platano, soya y yuca. Las compras las realiza en Chillanes y San Pablo y las vende en la feria de los domingos en Chillanes.
El crédito le ayudará en la compra de insumos, fertilizantes y abonos para los cultivos, el crédito le apoyado de manera que han incrementado la producción de los cultivos. Ha enfrentado desafíos como enfermedades de los trabajadores y las plagas y enfermedades en los cultivos. Su sueño es tener buena salud para seguir trabajando y educar a los hijos.
En los tiempos libres le gusta palir de paseo con los hijos.
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!