Independientes Group

Marisol represents the Independientes group, which is comprised of 13 members with low incomes. But they are very hard-workers, and they have expectations to grow in their businesses in order to give their families a better future.

The members work in different types of commercial activities like selling groceries in neighborhood store, selling food, cosmetics, phone calling services, clothes, accessories, shoes, and making wooden furniture. A majority of them work in their homes. The rest are street vendors. As far as the competition goes, we can say that there are competitors in the neighborhood. But the members have their regular customers who generate the necessary economic movement for daily income. In case it does not go well in the neighborhood, they head to other places to sell their products or do their work so that they can meet their responsibilities for themselves and their families.

The loan is to get merchandise to stock their stores and to get supplies to generate greater earnings. This will help give their families a better quality of life.

As far as their loan experience goes, the members are in their fourth cycle. They demonstrate the desire to get ahead, responsibility, and honesty for their group.

Translated from Spanish by Ginny Kalish, Kiva Volunteer

El grupo “Independientes” esta representado por la señora Marisol y conformado por 13 miembros que son de bajos ingresos, pero muy trabajadoras y con expectativas de lograr crecer en sus negocios para dales a su familia un futuro mejor. Las socias desempeñan diferentes tipos de actividades comerciales como la venta en abarrotes en tiendas de barrio, venta de comida, cosméticos, atención en puntos viva, ropa, acentúas, zapatos y a la construcción de muebles de madera, una mayoría trabaja en su domicilio y el resto como vendedores ambulantes. En cuanto al entorno competitivo podemos mencionar que sus competidores están presentes en el barrio, pero las socias tienen sus clientes que constantemente generan el movimiento económico necesario para el ingreso diario, en caso de que no les va muy bien el barrio se dirigen a otro lugares para realizar la comercialización de sus productos o diversifican su actividad económica de forma que puedan cumplir con sus responsabilidades y su familia. El destino del crédito es la adquisición mercadería para surtir sus tiendas e Insumos para generar una mayor ganancia que ayude a brindar a su familia una mejor calida de vida. En cuanto a la experiencia crediticia las socias van cursando ya su cuarto ciclo demostrando ganas de salir adelante, responsabilidad y honestidad para con su grupo.


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

Subscribe