Rafael is 41 years old, single, and has two children. He lives with his parents in the canton of Ventanas, in the province of Los Ríos. He belongs to the Palmasola communal bank, which is located in the rural area of Palmasola, which belongs to the parish of Ricaurte and the canton of Urdaneta. This communal bank focuses on agriculture and livestock.
Rafael works in agriculture, growing corn and rice. He is requesting a loan to buy fertilizers and manure. He says that with the support of the loan he will be able to buy agricultural inputs at a lower price because he will be able to pay cash. He will make his purchases in Ventanas each week. He says that his dream is to increase his productivity, and that the challenge he faces is climatic change. He likes to spend his free time at home with his family.
Rafael tiene 41 años de edad, es soltero, tiene dos hijos convive con sus padres 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.
Rafael se dedica a la agricultura, siembra de maíz y arroz.
Solicita el crédito para comprar fertilizantes, abonos.
Con el apoyo del crédito podrá comprar los los insumos a menor precio por ser al contado.
Las compras lo realizan en Ventanas cada semana.
Su sueño es aumentar la productividad.
Su desafío son los cambios climáticos.
En sus tiempos libres le gusta pasar en casa con la 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!