Delio Ermel is 66 years-old and married. He lives with his wife and five children in Chillanes, a province of Bolivar.
The communal bank San Isidro is made up of 10 members and is located en the canton Chillanes 45 minutes from the office. This communal bank makes a living farming and sowing corn, berries, and beans.
Delio Ermel makes a living farming and sowing corn, berries, and beans, in addition to raising livestock and pigs. He is going to use the loan to buy urea, fertilizer for his crops, seeds, and food for his livestock and pigs.
He makes his purchases en Silva's Stores and sells them in the market on Sundays in Chillanes. His dream is to increase his production in order to have more money to live well. He has confronted challenges like his crops getting sick.
He likes for his family to visit him at his house to throw parties and eat together.
Delio Ermel tienen 66 años es casado, vive con la esposa y con los hijos tiene cinco hijos. 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.
Delio Ermel se dedica a la agricultura a la siembra de maiz, mora y frejol, ademas a la crianza de ganado y chanchos el credito va utilizar en la compra de urea, fertilizantes para los cultivos, comprar de semillas y comprar de comida para el ganado y chanchos.
Las compras las realiza en Comercial Silva y las vende en la feria de los domingos en Chillanes. El sueño de Delio es aumentar la produccion para tener mas dinero para vivir bien. Ha enfrentado desafios como las enfermedades de los cultivos.
Le gusta que a familia le visite en la casa para hacer fiestas y comida.
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!