Anonymous Group

The “Chapaquitas” group is represented by Mirian Janeth and has 12 members. Most of the members are vendors of a variety of products such as food, cosmetics, bedspreads, and fuel, while others provide public transportation of passengers. The level of competition in the commercial environment that they work in is quite high, but their dedication and willingness to work helps them to succeed against the competition. The purpose of the financing is for the purchase of merchandise, ingredients and raw materials, and for enlarging their sales stalls, which will allow them to generate more income and improve their families' standard of living. Overall the members of the group have acquired experience thanks to loans from other entities similar to Agrocapital, which is why they are familiar with the financing system and the responsibility and commitment required in order to obtain economic support for their businesses. Because some of the members cannot leave their businesses unattended, their husbands are the ones who meet with the group. That is the case for Deysy and Noemi.

Translated from Spanish by Anne Kamsvaag, Kiva Volunteer

El grupo “Chapaquitas” esta representado por la señora Mirian Janeth y conformado por 12 miembros, una mayoría de las socias se dedica a la venta de productos como la comida, cosméticos, edredones, combustible y al transporte público de pasajeros. La competencia en el ámbito comercial es bastante alta pero la dedicación y las ganas de trabajar son las que prevalecen ante la competencia. El destino del financiamiento es para la adquisición de mercadería, insumos, materiales y para la ampliación de sus puestos de venta que les permitirá generar un mejor ingreso para brindar a sus familias una mejor calidad de vida. En general los miembros del grupo cuenta con experiencia gracias a financiamientos en entidades similares a la fundación Agrocapital por lo que conocen la modalidad de trabajo así como la responsabilidad y compromiso que se requiere para recibir un apoyo económico para sus negocios.Debido a que alginas socias no pueden dejar sus puestos de trabajo sus esposos son los que se reunen en el gruposon los casos de la señora Deysy y la selñora Noemi.


About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more

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