Delfin Oswaldo is 50 years old, married, and lives with his wife and children. He has three children who are 24, 20 and 16 years old. They live in Montalvo, in Los Ríos province.
This community bank is called PITA and it is located in San Pablo de Pita, in Caluma canton, 45 minutes from Montalvo. The members of this bank work in agriculture, growing oranges, bananas, 'orito' (a variety of small, sweet banana), cacao and coffee.
Delfin cares for his cacao, oranges, bananas and coffee as these are long-cycle crops. He makes his purchases in San Rafael shopping center in Caluma and makes his sales in Montalvo.
Delfin is requesting a loan to buy supplies such as fertilizers, urea and fungicides to get rid of weeds. He will also buy Ranger for dealing with diseases among his crops. This loan will help him to increase the quality of his produce and avoid losing crops. Delfin's dream is to buy a car so that he can go to the beach with his family.
In his spare time, Delfin enjoys taking part in sports and going out for walks with his family.
Delfin Oswaldo tiene 50 años es casado vive con la esposa y con los hijos tiene 3 hijos de 24, 20 y 16 años. Vive en Montalvo Provincia de Los Ríos.
La ventanilla se llama PITA se encuentra ubicada En el Recinto San Pablo de Pita perteneciente al Canton Caluma a 45 minutos de Montalvo esta ventanilla se dedica a labores agrícolas a mantener los cultivos de naranja, guineo, orito, cacao y café.
Delfin se dedica a cuidar las plantaciones de cacao, naranja, guineo y cafe ya que estos productos son de ciclo largo, las compras las realiza en Comercial San Rafael en Caluma y las vende en Montalvo.
El credito lo solicita para la compra de insumos como:abonos, urea y fungicidas para la malesa o mala hierva, ranger para las enfermedades en los cultivos . El credito le ayudado a incrementar la calidad de los productos y evitar pérdidas en los cultivos. El sueño de Defin es comprar un carro para viajar a la playa con la familia.
Le gusta hacer deporte y salir con la familia a pasear.
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!