How to choose a financial cooperative

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Financial cooperatives have increasingly become popular and most recommended by most people more so those who run small businesses. These cooperatives are known for their continued support for families, businesses and individuals to be able to get financially independent through the services that they offer solutions to business problems or guidance of related financial issues. On the other hand, other commercial cooperatives like Bank and Federal Credit Union try to strengthen the rural communities and low-income earners by enabling them to access affordable and fair credit. Similarly, the cooperatives help in promoting employment opportunities by lending small businesses. However determining a financial cooperative to work with can be tricky because the many cooperatives have become established. But worry not because this article gives you a guide on how you can choose a financial cooperative to work with.

Ask for referrals

One of the fastest ways to which you can determine the best cooperative to engage in your business errands is oiuiuihknthrough consulting friends, relatives and colleagues to recommend some of the financial cooperatives that they may have worked with. You should ask for the quality of services the referees got from the cooperatives, and then you should check whether the cooperative will be in a position to suit your financial needs. Never select an institution that will not help you in creating your financial independence.

Check the interest rates

Financial cooperatives lend small businesses and individual with money to establish and boost businesses. Before you decide to ask for money from a particular cooperative, you should check the interest rates that will be used when you start repaying the money. Get two to three cooperatives then you can compare the interest rates and choose one that will favor you.

Licensing and certification

hgftrfghgThis is the most significant feature that you should consider before deciding to select a given cooperative to invest in or to borrow money from. At times people have become victims of circumstances by investing in cooperatives which are not licensed but later lose all their investments because such organizations are not genuine. Therefore ensure you ask for certification and licensing documents that indicate the relevant bodies duly registered the cooperative.

Check for reviews

You can determine whether the financial cooperative you are almost working with has a good reputation. The excellent reputation can be in the customer service or the quality of services that the cooperative gives to its clients. A sound financial cooperative should have a significant number of reviews which can be extracted from the internet.

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How to apply for a guarantor loan

Lenders are so much interested in one’s credit score when applying for a loan. So does it mean that if you have a poor credit score, you cannot get a loan? Chances of not getting one are high, but you can try your luck in what is called a guarantor loan. Below are tips on how to get a guarantor loan.

Applying for a guarantor loan

Find a guarantor

A guarantor acts as extra security for the bank since your credit score is poor, the bank will trust you again because of the guarantor you have. In this case, you must make sure that the person you use has a high credit score. If the primary borrower who is you fails to pay the agreed amount, the bank will look out for the used guarantor for payments.

Make payments on time

As said earlier, a guarantor does not give you a hundred percent assurance that you will get the loan. The bank will check your credit ratings to see if you can make the payments within the agreed time. For the bank to give you the loan, the amount you are borrowing must fall within 1/10th of your monthly income or salary.

Be aware of the risks

A guarantor can be anyone from your workmates to friends or a family member. What you are asked for is to let them know the risks involved with them acting as your guarantor.

Apply directly

Did you know there are loan brokers? If you apply through them, you will have to pay them for the service. To reduce extra charges, take yourself to the lender and apply for the loan directly from them.

Choose the lender carefully

It goes without saying that you must be careful who you choose as your lender. Ask for quotes from several lenders for comparison. With the quotes, you will be able to choose the best lender. A good lender must have pocket-friendly interest rates and a reasonable pay back period.

Understand the consequences

What happens if you do not pay the loan? Your credit score will be affected. You might not be the one to pay the whole amount because the guarantor will, but you will harm your credit score more. It will be harder for you to get another loan in future because the bank will not trust you again and you will not get a good guarantor.

 

 

 

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Baja Arizona – Welcome

Welcome

Baja Arizona Sustainable Agriculture, (Baja AZ), is a 501c3 non-profit organization working to increase local sustainable food production and marketing in southern Arizona. Sustainable agriculture is good for the earth, good for people and good for communities.

Radishes Buy locally grown! It’s thousands of miles fresher. Buying from local farms and ranches retains people with food-raising expertise on agricultural land. This also ensures that future generations will enjoy seeing open fields and grazing lands with lots of wildlife.

Eating foods raised without chemical additives, long distance transportation and long term storage is healthier for people and the environment. Eating more foods produced near your home offers an adventure in flavor and connects you to the landscape.

Row cover About our name: We chose to use a Spanish word “baja” which means lower as this part of the state, south of the Gila River, or “Baja Arizona” is a historic area that has many ties to northern Mexico. Our vision is a region on both sides of the border that can once again feed itself.

There’s plenty of sunshine in southern Arizona so many crops can be raised through the winter and in spring and fall, even at higher elevations, with row cover, cold frames and greenhouses.

Sustainable agriculture is resource saving. Baja AZ promotes improving the soil with organic methods and raising animals naturally on the land. Water is precious in arid lands. To be sustainable in the desert, food must be raised in a water-frugal way using rain water harvesting, drip irrigation and mulches. Baja AZ encourages a return to eating desert heritage foods and drought tolerant varieties developed by the peoples that lived in this region before us.

 

News

On a 100 mile diet and need help finding local food? Go to the Find Local Food Page to find local farmers and ranchers, farmers markets, CSAs, stores and restaurants that sell locally produced food.

Cholla bud hors d’oeuvres Find out how to harvest desert foods by taking a workshop with ethnobotanist Martha Burgess. See dates on the Calendar for scheduled cholla bud, mesquite, prickly pear and acorn workshops in Tucson and Sierra Vista.

Schedule a presentation for your school or organization on “The Joys of Coming Home to Eat” with a virtual tour of local farms and ranches or “Pasture Perfect: Raising Animals on Grass (the way they were meant to be raised)” and “Sustainable Ranching or Anticipating the Moisture” presentations by Baja AZ’s professional grass-fed ranchers.

Solar panels & cattle

 

 

Deep in the heart of Cochise County at 5,500 feet in the Mule Mountains, cattle on the historic 47 Ranch can now get a drink round the clock at Abbot Canyon. During the day solar panels provide power to pump water from the well. The windmill takes over at night when the breezes pick up. Rancher owner Dennis Moroney has worked with Arizona Game and Fish to distribute water throughout the ranch through the use of solar powered pumps. Formerly water was only available where the cows were, no place else, and pumped by moving a generator around.

Wildlife has also benefited with a greatly increased population of white tail deer for hunting. The ranch has a safe harbor cooperative agreement to ensure the survival of the Chiricahua Leopard frog which only survives in ranch stock tanks. Care is taken to stagger stock pond clean up and to relocate frogs that are dislodged.

250 artificial owl burrows will be constructed on the 47 Ranch which is a recipient site for the relocation of burrowing owls from areas near cities where expanding development has taken their habitat.

Baja Arizona Sustainable Agriculture, (520) 378-2973
5279 S. Calle Metate, Sierra Vista, AZ 85650

Home . Contact . Calendar . Programs . Find Local Food
Community . Support Us . Growing Minds…

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