Luis is 27 years old and is in a common law marriage. He lives with his wife and his 4-year-old son. They live in the canton of Ventanas in the province of Los Rios.
The "San Nicolas" communal bank is located in the community of San Nicolas which belongs to Ricaurte Parish, Urdaneta Canton. The members work in agriculture and livestock.
Luis works in agriculture and has been cultivating corn and rice for a couple of years. He buys his supplies in Ventanas and sells them on the market there. He is asking for a credit to buy manure and fertilizers for his cultivation of corn and rice. The loan will help him to increase the income of his family.
His dream is to buy land. He enjoys watching television and he likes his work.
Luis tiene 27 años de edad estado civil Unión Libre vive con su esposa e hijo de 4 años. Vive en el Cantón Ventanas provincia de los Ríos.
La ventanilla se llama SAN NICOLAS, se encuentra ubicada en el Recinto San Nicolás, perteneciente a la parroquia Ricaurte cantón Urdaneta, esta ventanilla se dedica a labores agrícolas y pecuarias.
Luis se dedica a la agricultura a la siembra de maíz y arroz desde hace algunos años. Compra sus productos en Ventanas y las vende en el mercado del mismo lugar.
El crédito solicito para la compra de abono y fertilizantes para la siembra del maíz y arroz. El préstamo le ayudado para fomentar la economía de la familia. Su sueño es comprarse un terrero.
Le gusta mirar la televisión y trabajar.
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!