Mi Cajero Group

Mi Banquito Community BankThis bank was formed two and a half years ago, and its ten members live in the Matucana district. They are people devoted to planting alfalfa, raising guinea pigs, selling flowers, sweets, food, and groceries. Most of them sell their products in the markets and stops. They have fixed customers.

Julia Pelayo Palomino is the president of this group. She has been selling pudding for eight years. There is much consumer demand for her pudding because the flavor is incomparable. She also works cleaning houses once in a while. With these businesses she has supported her family. The businesses also allowed her to buy some guinea pigs. She now needs to put up a fence. The one she had was damp, and it crumbled into pieces from the landslide that fell on her house. She plans to invest in this. She will also buy new dessert glasses that she herself has made in a factory.

Angela Delgado Rojas is the treasurer; she has known how to do her work well. Four years ago she bought some guinea pigs, ten female and one male, with the money she put together from the occasional jobs she had. In time, the guinea pigs started multiplying. She now has 35 females and 15 males. She invests the money from the loan in food for her animals. She will buy “cuyina” (guinea pig feed), an essential food for guinea pigs, along with alfalfa and some vitamins.

Angela will invest this loan in renovating a cage for the guinea pigs because, with time, the outside has worn out. She will also buy vitamins. The sales from this business have allowed her to help her husband with the household expenses. Like all mothers, her dream is to give her little three year old daughter a peaceful life.

Later she wants to get together a little capital to start studying for a technical career. It is something she wanted to do, but, sadly, her parents could not provide this due to their economic circumstances.

Translated from Spanish by Ginny Kalish, Kiva Volunteer

ALCANCÍA COMUNAL “MI BANQUITO”



Alcancía conformada hacia dos años y medio, sus diez integrantes viven en el distrito Matucana, personas que se dedican a la siembra de la alfalfa, crianza de cuyes, venta de flores, dulces, comidas, abarrotes. La mayoría vende sus productos en los mercados, paradas, cuentan con clientes fijos.
Julia Pelayo Palomino es la presidenta de este grupo, desde hace ocho años se dedica a vender leche asada, su dulce tiene mucha demanda por los consumidores debido al sabor incomparable, también trabaja limpiando casas de vez en cuando. Con estos negocios ha solventado y mantenido a su familia, lo que además le permitió comprar unos pares de cuyes que hoy en día necesitan el levantamiento de un cerco, porque la que tenían fue humedecida, derrumbándose de a pedazos por el alud que cayó en su vivienda, ella piensa invertir en esto además comprar nuevos vasos para postres que ella misma manda hacer en una fábrica.
Angela Delgado Rojas es la tesorera que hasta la fecha ha sabido llevar bien su labor.
Hace cuatro años compró unos pares de cuyes diez hembras y un padrillo (macho) con un dinero que juntó de los trabajos eventuales que tuvo, con el tiempo los cuyes fueron multiplicándose, actualmente son 35 hembras y 15 machos; ella invierte con el dinero prestado en la alimentación para sus animales como es la cullina alimento esencial para los cuyes, como también alfalfa y algunas vitaminas. La venta de este negocio le ha permitido apoyar a su esposo en los gastos del hogar. Como toda madre el sueño es darle una vida sosegada a su pequeña hija de tres años de edad. Angela invertirá con este préstamo en la renovación de una rejilla para los cuyes porque con el tiempo la anterior se ha desgastado, igualmente vitaminas. Posteriormente quiere juntar un pequeño capital a fin de empezar a estudiar una carrera técnica algo que quiso hacer pero lamentablemente sus padres no pudieron darle debido a las circunstancias económicas que atravesaban.



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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