María Josefina is 33 years old. She is married and has 4 children who are 15, 10, 7 and 4 years old. She lives with her husband and children in the city of Guaranda, Bolívar Province. The VRC Tagma Rumiñahui, is made up of 14 partners and is located at about 25 minutes from the San Simón office, they do agricultural activities and cattle farming for a living. María Josefina's activity is agriculture, she sows corn and potatoes and she also breeds and sells pigs and cattle. She requests the loan to buy seeds, fertilizers, urea and liquids for weeds and to buy pigs. Thanks to the loan she will be able to increase the animals she has and improve her sown fields. She makes her purchases every fortnight in the city of Guaranda. The lady's dream is to have a vehicle of her own for her and her family's comfort. The means of transportation are a challenge for her. In her spare time she likes to rest and enjoy Guaranda's parties Season.
MARIA JOSEFINA tiene 33 años, es casada tiene 4 hijos de 15,10,7 y 4 años de edad, vive con el esposo e hijos en la ciudad de Guaranda Provincia Bolívar.
La VRC Tagma Rumiñahui, esta conformada por 14 socios casi a 25 minutos de la oficina de San Simón, se dedican a la agricultura y ganadería.
MARIA JOSEFINA se dedica a la agricultura a la siembra de maíz. papas, además se dedica a la crianza y venta de cerdos y ganado.
Solicita el crédito para comprar semillas, fertilizantes, urea, líquidos para la maleza y comprar cerdos.
Con el apoyo del crédito va incrementar sus animales y mejorar los sembríos. Realiza sus compras cada 15 días en la ciudad de Guaranda.
El sueño de la señora es tener su propio vehículo para comodidad de ella y de su familia.
El desafío de la señora es el transporte.
En el tiempo libre le gusta descansar y disfrutar la época de fiestas de Guaranda.
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!