Holger is 50-years old, married and lives with his wife and their children in the city of Chimbo, Bolivar Province.
Holger works in agriculture. He grows corn on land that is nearby his house. He is requesting the loan to purchase seeds, compost, and fertilizer for his crops. The loan will help him to get the things he needs for his crops. The challenges he faces are variations in the weather and crop disease.
Holger's dream is to have enough money to take a trip on a plane. In his free time, he likes to walk through the country-side and reminisce about his childhood.
Holger tiene 50 años de edad es casado vive con la esposa y con los hijos en la ciudad de Chimbo Provincia de Bolivar.
Holger trabaja en la agricultura en la siembra de maiz en terrenos cerca de la casa. El credito solicita para la comprar se semillas, abonos y fertilizantes para los cultivos. El credito le ayudado a suplir las necesitades en los cultivos, los desafios que enfrenta son la variacion del clima, y las enfermedades de los cultivos.
El sueño es tener dinero para realizar un viaje en avion. En los tiempos libres le gusta caminar por el campo y recordar la infancia.
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!