Cruz is a member of the Communal Bank “El Placer de Ser Amigos” (The Pleasure of Being Friends), which is located 20 minutes away from the parish of San Jose del Tambo. The group has 15 members who are mostly involved in growing cacao and running their own small businesses.
Cruz is a farmer who has been growing corn and raising pigs for the past three years. She is requesting a loan so that she can buy three more pigs. With the help she is receiving through this loan, Cruz will be able to invest and slowly expand her pig business. Her dream is for her child to study through high school, which is more that what she achieved.
During her free time, Cruz enjoys being with her children because she devotes herself completely to them.
Cruz es socio de la ventanilla rural El Placer de Ser Amigos, que está ubicada a 20 minutos de la parroquia San Jose del Tambo. Son 15 socios en total, que en la mayoridad se dedican al cultivo de cacao o tienen sus propios pequeños negocios.
A Cruz se dedica a la agricultura. Cultiva maíz y ha criado chanchos por los últimos 3 anos. Solicita el credito para comprar 3 chanchos mas. Con el apoyo del préstamo, podria intvertir, poco a poco ampliando su negocio de criar chanchos. Su sueno es que su hijo estudie en el colegio y que sea mas que ella.
En su tiempo libre le gusta salir con sus hijos. Se dedica completamente a sus hijos.
About Cooperativa San JoseThis 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!
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