Jose Favian is 31. He is single and lives with his one-year-old child. He lives in the Chillanes Canton, belonging to the Bolivar Province.
His communal bank is called El Placer and is located 60 minutes from the office. It belongs to the San Jose del Tambo Parish. There are 24 members, all farmers who sow cocoa, rice, soy, plantains, yucca and oranges.
Jose Favian is a farmer who has cocoa, rice, soy, plantain, yucca and orange crops. He makes his purchases in San Jose del Tambo and his sales in the Sunday market in Chillanes.
He is requesting this loan for investing in cocoa crops, through buying manure and fertilizer. This loan will help him to maintain his crops and have a better harvest. He confronts challenges such as lack of rainfall. His dream is to have his own home.
In his free time he enjoys going for walks with his son.
Jose Favian tiene 31 años es soltero, vive con un hijo de un año de edad. Vive en el Canton Chillanes Perteneciente a la Provincia Bolivar.
La V.R.C se llama EL PLACER esta ubicada a 60 minutos de la oficina pertenece a la Parroquia San Jose del Tambo, en esta ventanilla son socios 24 personas que se dedican a la agricultura a la siembra de cacao, arroz, soya platano, yuca y naranja.
Jose Favian se dedica a la agricultura tiene cultivos de acao, arroz, soya, platano, yuca y naranja.Las compras las realiza en San Jose del Tambo y las Vende en la feria de los domingos en Chillanes.
El credtito lo solica para invertir en huertos de cacao, en comprar de abonos y fertilizantes, el credito le ayudara a dar mejor mantenimiento a los cuiltivos y tener una mejor cosecha. Enfrenta desafios como la falta de lluvia en los terrenos. Su sueño es tener casa propia.
En los tiempos libres le gusta salir de paseo con el hijo.
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!