Carlos, age 20, is single and does not have children. He lives in his parents’ house in the city of Ventanas in the Los Ríos province. He belongs to the Genesis communal bank, which is in the Atascoso precinct in the Ventanas canton. He works in agriculture and with cattle. Carlos grows corn and rice.
He is requesting the loan to buy urea, seeds, compost, and fertilizers. With the help of the loan he will be able to buy what he needs. He will make his purchases and sales in Guaranda. The challenges he faces are pests and plant diseases.
His dream is to buy a piece of land in order to keep planting and to have a family business. In his free time he likes to play soccer with his friends.
carlos tiene 20 años de edad de estado civil soltero no tiene hijos, vive con los padres en casa de ellos en la ciudad de Ventanas Provincia de los Ríos.
Pertenece a la VRC GENESIS, se encuentra ubicada en el recinto atascoso, Pertenece al Cantón ventanas se dedican a labores agrícolas y pecuarias.
Carlos se dedica a la agricultura a la siembra de maíz, arroz. Solicita el crédito para comprar urea, semillas, abonos y fertilizantes. Con la ayuda del crédito podrá comprar lo necesario.
Las compras y las ventas las realizará en Guaranda. El desafío a los que se enfrenta son las plagas y enfermedades en las siembras.
El sueño es comprar terreno para seguir sembrando y tener negocio de la familia. En el tiempo libre le gusta fútbol con los amigos.
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!