Johana is single and has no children. She lives with her parents in San Jose de Chimbo.
She works at a store selling informal clothing for adults and children. She buys her merchandise in Guayaquil and then sells it in her local market. With this loan, she will buy merchandise like pants, blouses, and undergarments, among other things.
Her dream is to make enough money to have a bigger store.
Johana es soltera no tiene hijos vive con sus padres en San Jose de Chimbo.
Se dedica al comercio de ropa informal para adultos y niños. La mercaderia commpra en Guayaquil y las vende en un local que arrienda. EL credito lo solicita para comprar mas mercaderia como pantalones, blusas, ropa interior entre otras cosas.
Su sueño es tener dinero para ponerse un almacen mas grande.
En los tiepos libres le gusta salir a bailar.
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!