Luis 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.
Luis is a farmer who lives with his family and also has crops. He buys his supplies and sells his agricultural products in Guaranda. The loan he is requesting will be used to buy animals, such as cattle and pigs. With the help of this loan, he will be able to change his family’s financial situation. His dream is to move to a city where there is more work. The challenges he faces include dealing with his family’s lack of income.
When he has moments that are free, Luis likes to relax and spend time with his children.
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.
Luis se dedica a la agricultura vive con la familia, además tiene sembríos. Las compras y las ventas de los productos para la agricultura los compra en Guaranda. Solicita el crédito para comprar animales (ganado y chanchos). Con la ayuda del préstamo podrá cambiar la situación económica de la familia.
El sueño es poder cambiar de ciudad donde haya más trabajo. Los desafíos que se le ha presentado son en la familia por falta de ingresos.
En los momentos libres le gusta descansar pasar el tiempo libre con sus hijos.
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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