Ángel, age 50, is married and has one child. He lives with his wife in the Ventanas canton in the Los Ríos province.
The Palmasola communal bank is located in the Palmasola precinct in the Ricaurte parish, Urdaneta canton. The members do agricultural work and work with livestock.
Ángel is a farmer, and he grows corn and rice. He is requesting the loan to buy fertilizers. With the support of the loan he will be able to buy the fertilizers for a lower price because it will be a cash purchase. He makes his purchases in Ventanas every week.
His dream is to buy some land. His challenge is climate changes. He likes to spend his free time with his family.
Ángel tiene 50 años de edad, es casado, tiene un hijo, vive con su esposa en el Cantón Ventanas Provincia de Los Ríos.
La descripción de la ventanilla es VRC Palmasola, se encuentra ubicada en el recinto Palmasola, pertenece a la parroquia Ricaurte, Cantón Urdaneta, se dedican a labores agrícolas y pecuarias.
Ángel se dedica a la agricultura, siembra de maíz y arroz.
Solicita el crédito para comprar fertilizantes.
Con el apoyo del crédito podrá comprar los fertilizantes a menor precio por ser al contado.
Las compras lo realizan en Ventanas cada semana.
Su sueño es comprar un terreno. Su desafío son los cambios climáticos.
En sus tiempos libres le gusta pasar con su familia.
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!