Oswaldo Clemente is forty-six, married, and has two children. He lives in Chillanes in Bolivar Province with his wife and children, aged nineteen and seventeen.
The Tendal communal bank has eleven members, both men and women, and is located forty-five minutes from the cooperative.
Oswaldo Clemente earns his living in agriculture, growing cacao, bananas, plantains, and oranges. He buys supplies in San José del Tambo every fifteen days. He's seeking a loan to buy cacao plants, fertilizer, compost, and weed-killer. The loan will allow him to improve both production and his family's lifestyle.
His dream is to have his own car to transport his products. His challenge is the low price his product demands.
In his spare time, Oswaldo Clemente likes to play sports, especially soccer. He's respectful, responsible, and doesn't like party-going.
Oswaldo Clemente tiene 46 años de edad es casado tiene dos hijos, vive con la esposa y con los hijos de 19 y 17 años de edad en Chillanes Provincia de Bolívar.
La VRC TENDAL está conformada por 11 integrantes entre hombres y mujeres se encuentra ubicada a 45 minutos de la cooperativa.
Oswaldo se dedica a la Agricultura a los sembríos de cacao, guineo, plátano y naranja.
Las compras y las ventas lo hace en San José del Tambo cada quince días. Solicita el crédito para comprar plantas de cacao, fertilizantes, abonos, líquidos.
Con la ayuda del crédito podrá mejorar la producción y mejorar el estilo de vida de la familia.
El sueño es tener un carro propio para transportar los productos.
Los desafíos a los que se ha enfrentado son los bajos precios del producto.
En el tiempo libre le gusta practicar el deporte en especial el futbol, es respetuosa y responsable, no le gustan las fiestas.
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!