Luis is 21 years old. He lives with his partner in the county of Chillanes, in the province of Bolivar. They have two children. He belongs to a solidarity group in the County of Chillanes. The main economic activities are agriculture, animal husbandry and trade. The community is located 30 minutes from the office of the coop in Chillanes. Luis works in agriculture and plants beans, corn and peas. He is requesting the loan to purchase beans, which can be bought in the city of Chillanes. His dream is to purchase a house. The challenges he faces in his work are pests, such as snails. During his free time, he likes to walk, play sports and attend festive community events.
Luis tiene21 años de edad es de estado civil unión libre tiene dos hijos vive con su esposa en el Cantón
Chillanes Provincia Bolívar.
Es integrante de ventanilla azanloma perteneciente al Cantón Chillanes, la actividad económica es la
agricultura, crianza de animales y el comercio.
La comunidad se encuentra en unos 30 minutos de la oficina de la cooperativa en Chillanes.
Luis se dedica a la agricultura a la siembra de frejol, maíz, panamitos y alverja.
Solicita el crédito para la compra de frejol.
Las compras se realizan en la Ciudad de Chillanes.
Su sueño es comprarse una casa.
El desafío que enfrenta es la presencia de plagas como la concha.
En el tipo libre le gusta pasear, realizar deporte y 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!