Holger Francisco is 32 years old and is married. He lives with his wife and four children, aged 17, 14, 12 and 10. He lives in Chillanes, in the province of Bolivar.
The SAN ISIDRO communal bank is made up of ten members. It is located in Chillanes canton, 45 minutes away from the head office. The members of this communal bank work in agriculture, growing corn, blackberries and beans.
Holger works in agriculture growing corn, blackberries and beans. He also raises pigs. He will use the loan to purchase urea and fertilizers for his crops, to purchase seeds, and to purchase food for his pigs. He purchases his supplies at the Comercial Silva, and makes his sales at the Sunday market in Chillanes.
Holger's dream is to have money to provide his children with an education, and to buy some farmland. He has faced challenges such as the weather; there's been a lot of rain, and this has damaged his crops.
In his free time, he enjoys playing with his children.
Holger Francisco tienen 32 años es casado, vive con la esposa y con cuatro hijos de 17,14,12 y 10 años. Vive en Chillanes Provincia de Bolivar.
La ventanilla SAN ISIDRO esta conformada por 10 socios, esta ubicada en el Canton Chillanes a 45 minutos de la oficina esta ventanilla se dedica a la agricultura a la siembra de maiz, mora y frejol.
Holger se dedica a la agricultura a la siembra de maiz, mora y frejol, ademas a la crianza de chanchos el credito va utilizar en la compra de urea, fertilizantes para los cultivos, comprar de semillas y comprar de comida para los chanchos. Las compras las realiza en Comercial Silva y las vende en la feria de los domingos en Chillanes.
El sueño de Holger es tener dinero para dar la educacion a los hijos, y comprar un terreno. Ha enfrentado desafios como el clima, esta lloviendo mucho y se han dañado los cultivos.
En los momentos libres le gusta jugar 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!