Mariela is 22 years old, single, and has no children. She lives with her parents in the Chillanes province of Bolívar.
The communal bank VIRGEN DE BAÑOS is made up of members in the community of Mama Sara de Cerritos, about 30 minutes away from the Cooperative's office.
Mariela works in farming and grows beans, and she also raises cattle. She is asking for this loan in order to buy organic additives for the soil, fertilizers, and seeds. With the help of this credit, she will be able to buy what she needs for her planting.
Her dream is to become independent, and to have her own fields that she can plant, and to finish her studies. In her free time, she likes to go out and enjoy the parties and feast days in her community.
MARIELA tiene 22 años de dad es soltera no tiene hijos, vive con los padres en Chillanes Provincia de Bolívar.
La VRC VIRGEN DE BAÑOS está formada por en la comunidad mama Sara de Cerritos, a una distancia de 30 minutos de la oficina de la Cooperativa.
Mariela se ddeica a la agr4icultura a la siembras de fréjol, además se dedica a la crianza de ganado. Solicita el crédito para comprar abonos, fertilizantes,semillas. Con la ayuda del crédito podrá comprar lo necesario para los cultivos.
El sueño es independisarce, tener terrenos propios para sembrar terminar los estudios. En el tiempo libre le gusta salir a pasear y disfrutar de las fiestas de la comunidad.
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!