Silvia is 26 years old, she is married, and lives with her husband and two-year-old son in the Pailaloma community, which belongs to the Bolívar province of Cantón San Miguel.
She is a member of the Patrón San Miguel solidarity group, located in the Pailaloma community and 40 minutes away from the cooperative, and dedicated to agriculture.
Silvia makes a living planting corn and beans, and raising cows. She is requesting the loan to purchase agricultural inputs. She will purchase these from the San Miguel market. Her goal is to improve her quality of life. Her challenge is the bad weather, plagues, and sickness. During her free time she likes to listen to music.
Silvia tiene 26 años de edad, de estado civil casada, vive con su esposo y su hijo de 2 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 A unos 40 minutos de la oficina de la cooperativa y se dedican a la agricultura.
Silvia 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 Miguel. Su meta es mejorar las condiciones de vida. Su desafío es el mal tiempo, plagas y enfermedades. En su tiempo libre le gusta escuchar música.
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!