José is 56 years old, married, and has three children. He lives together with his wife and children in Chillanes, Bolívar province.
The Virgen de Baños community bank was formed in Mama Sara de Cerritos community, some 30 minutes from Cooperativa's offices.
José's business is growing beans, corn and blackberries. He also raises livestock. He is requesting this loan to buy herbicides, urea, seeds and fertilizers. This loan will help him to buy the materials he needs for his farming.
José makes his purchases in Chillanes. His dream is to improve his living conditions. The challenge that he faces is a lack of work opportunities. In his free time, he enjoys taking part in local celebrations and festivals. He also likes going for walks.
JOSE tiene 56 años de edad es casaso tiene tres hijos, vive con los hijos y la esposa 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.
José se dedica a la siembra de fréjol, maíz, mora, además se ddeica a la crianza de ganado. Solicita el crédito para comprar herbicidas, urea, semillas, fertilizantes. Con la ayuda del crédito podra comprar los materiales para la siembra.
Las compras las realizará en Chillanes. El sueño es mejorar las condiciones de vida. Los desafíos a los que s eenfrenta es la falta de oportunidades para trabajar. En el timepo libre le gusta disfrutar de las fiestas de la comunidad, carnaval, fiestas del cantón y 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!