Maria is 45 years old. She is married and has seven children. She lives with her husband and children in Chillane, province of Bolivar.
The VIRGEN DE BAÑOS communal bank was formed in the community of Mama Sara de Cerritos, 30 minutes from the cooperative's office.
Maria works in agriculture. She grows beans, corn, raspberries, tomatoes, and sugar cane. She also raises cattle. She is asking for the loan to buy insecticide, urea, fertilizer, and herbicides. With the help of the loan, she will be able to buy what she really needs. The challenges she faces are natural disasters.
Her dream is to improve her quality of life, finish raising her children, and giving them a good life. In her free time, she likes to go for walks, visit family and enjoys the festivals in her canton.
MARIA TIENE 45 AÑOS DE EDAD ES CASADA TIENE SIETE HIJOS, VIVE CON EL ESPOSO Y LOS HIJOS EN CHILLANE SPROVINCIA 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.
MARIA SE DEDICA A LA AGRICULTURA A LA SIEMBRA DE FRÉJOL, MAÍZ, MORA, TOMATE, CAÑA, ADEMÁS SE DEDICA A LA CRIANZA DE GANADO.
SOLICITA EL CRÉDITO PARA COMPRAR INSECTICIDAS, UREA, FERTILIZANTES, HERBICIDAS. CON LA AYUDA DEL CRÉDITO PODRÁ COMPRAR LO QUE LE HACE MUCHA FALTA. LOS DESAFÍOS A LOS QUE SE ENFRENTA SON LOS DESASTRES NATURALES.
EN SUEÑO ES MEJORAR LAS CONDICIIONES DE VIDA, TERMINAR DE EDUACR A LOS HIJOS Y DARLES UN BUENA VIDA.
EN EL TIEMPO LIBRE LE GUSTA PASEAR, VISITAR FAMILIARES, DEDICARCE A LA FAMILIA Y DISFRUTAR DE LAS FIESTAS DEL CANTÓN.
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!