María Dolores is a member of the Communal Bank “Pangua” which is located in the community of Pangua Chaupiyacu and part of Guanujo parish in the canton of Guaranda. This community is 15 minutes away from the office of Cooperativa San Jose. The members of the Pangua Communal Bank work mostly in agriculture and livestock breeding, but they also engage in other business activities, such as retail and construction, in order to earn most of their income.
María engages in livestock breeding and farming. Her purchases and sales are conducted in Guaranda. She is requesting a loan in order to buy animals, such as cattle and sheep. With the help of this loan, María will be able to improve her financial stability. Her dream is to buy a house. The challenges she faces include preventing her crops from drying out.
In her free time, María Dolores likes to rest. Occasionally she will spend time in the city.
Es integrante de la VRC PANGUA, se encuentra ubicado en la comunidad Pangua Chaupiyacu, Parroquia Guanujo Cantón Guaranda, La comunidad está a 15 minutos de la Oficina Los miembros de la Ventanilla Pangua se dedican la mayoría a la Agricultura y ganadería y también a otras actividades donde obtienen mayores ingresos económicos como: el comercio y la construcción.
María se dedica a la ganadería y la agricultura.
Las compras y las ventas los realiza en Guaranda. Solicita el crédito para comprar animales (ganado y ovejas). Con la ayuda del crédito podrá mejorar la estabilidad económica.
El sueño es poder comprase una casa. Los desafíos a los que se enfrenta es la sequedad en los cultivos.
En el tiempo libre le gusta descansar a veces pasea por la ciudad.
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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