Martha is 42 years old and lives with her partner in the community of Pailaloma in the San Miguel canton, Bolivar province. Their children are aged 21, 12, and 11. Martha is a member of the Patrón San Miguel group which is located in Pailaloma, some 40 minutes from the cooperative’s office. The members are farmers.
Martha grows corn and beans, and also raises cows. She is seeking a loan to buy agricultural supplies. She buys them from the San Pablo market. Her goal is to improve her standard of living. Her biggest challenges are bad weather, infestations, and disease. Martha likes to spend her free time with her family.
Martha tiene 42 años de edad, de estado civil unión libre, vive con su conviviente y sus hijos de 21, 12 y 11 años de edad en la comunidad Pailaloma perteneciente al Cantón San Miguel Provincia de Bolívar.
Es integrante de la ventanilla Patrón San Miguel se encuentra ubicada en la comunidad Pailaloma unos 40 minutos de la oficina de la cooperativa y se dedican a la agricultura.
Martha se dedica a la siembra de maíz, frejol y a la crianza de vacas. Solicita el crédito para la compra de insumos agrícolas. La compra lo realiza en mercado de San Pablo. Su meta es mejorar las condiciones de vida. Su desafío es el mal tiempo, plagas y enfermedades. En su tiempo libre se dedica a 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!