Joffre Alexon is 62 years old, is married, and has seven children. He lives with his wife and children in Recinto San Joaquín, which is located in Montalvo canton in the province of Los Ríos. He belongs to the San Joaquín Communal Bank, which is situated 15 minutes from the Montalvo office and is made up of 12 members.
Joffre Alexon makes a living as a farmer. He specializes in growing rice, soy, and cacao. He goes to the city of Montalvo every week to purchase supplies and sell his produce.
This loan will allow him to increase his business and improve his crops, since he plans to invest it in inputs, including an irrigation pump that will make his work a lot easier.
Joffre Alexon’s dream is to purchase a van so he can sell his produce more easily. His main challenge is crop loss, especially due to pests or a prolonged dry season. In his free time he enjoys reading.
JOFFRE ALEXON, de 62 años de edad, es casado, tiene siete hijos, vive con su esposa e hijos, en el Recinto San Joaquín del cantón Montalvo, Provincia de Los Ríos.
La VRC San Joaquín se encuentra a 15 minutos de la oficina Montalvo, está conformada por 12 socios.
JOFFRE ALEXON se dedica a la agricultura especialmente al cultivo de arroz, soya y cacao, con la obtención de este crédito piensa incrementar su negocio y mejorar las siembras ya que invertirá en la compra de insumos,una bomba de riego lo que facilitará el trabajo.
Las compras y ventas las realiza en la ciudad de Montalvo de manera semanal.
El sueño es comprar una camioneta, para comercializar los productos de manera segura. Los desafíos a los que se enfrentan son las pérdidas de los cultivos, especialmente por plagas o estación invernal constante.
Su tiempo libre lo dedica a la lectura.
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!