Angel Vicente is 48 years old. He lives in a common-law relationship and has six children, ages 21, 20, 17, 15, 11, and 7. They live in Chillanes, Bolívar province. The TENDAL VRC [Ventanillas Rurales Crédito, or Window to the Countryside Loan] consists of 11 male and female members and is located 45 minutes from the cooperative. Angel works in farming and raises cocoa, green bananas, and oranges. He makes his purchases and sells his produce in San José del Tambo each week. He is requesting the loan to buy supplies, cocoa plants, fertilizer, manure, and liquid fertilizer. The loan will help him expand his business and provide better income for his family. He dreams of increasing production and having better income so that his children can complete their studies. The poor condition of the roads present a challenge for him. In his free time, he enjoys tending to his sown fields. He is respectful and responsible and enjoys the festivities during carnival.
Angel Vicente tiene 48 años de edad vive en unión libre tiene 6 hijos, vive con el conyugue y los hijos de 21, 20, 17, 15, 11 y 7 años de edad en Chillanes Provincia de Bolívar.
La VRC TENDAL está conformada por 11 integrantes entre hombres y mujeres se encuentra ubicada a 45 minutos de la cooperativa.
Angel se dedica a la Agricultura a los sembríos de cacao, plátano verde y naranja.
Las compras y las ventas lo hace en San José del Tambo cada semana. Solicita el crédito para comprar insumos, plantas de cacao, fertilizantes, abonos, líquidos.
Con la ayuda del crédito podrá incrementar el negocio, mejorar ingresos para la familia.
El sueño es aumentar la producción para tener un mejor ingreso para que los hijos culminen los estudios.
Los desafíos a los que se ha enfrentado son las vías en mal estado.
En el tiempo libre le gusta dedicarse a los sembríos, es respetuoso, responsable y le gustan las fiestas del carnaval.
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!