Claveles Community Bank Group

The Claveles Community Bank consists of 12 members that live in the Pampahasi Bajo and Pampahasi Alto areas, located around the Town Hall of upper San Antonio. The members sell food, supplies, bread, beer, groceries, toys and cosmetics. During their tenure with Emprender, which has been 5 cycles, they are restructuring to 30% of the members. Bertiz Mery Castro is the leader and president of the bank for the past 2 cycles, given that the bank already has completed 5 cycles. That member has a grocery store.

In her community bank, she has learned to be a responsible leader with her friends, requiring the shares of her colleagues at the time of payment, being friendly and cheerful. With the loan that has been granted, she will be able to increase store supplies, thus providing income for her family. Mrs. Irene Chacon Apaza is the Treasurer of the bank and is one of the founders that led to the formation of the bank. She sells food at fairs, festivals and social activities that occur. She had no capital to start her own business, but now with the loan that she will be given, she will be able to buy raw materials to start her own business.

The member Sofia Machicado Sejas is rather dynamic, happy and is the Secretary of the bank. During her tenure at the bank, she is always encouraging her colleagues. To move forward, she now sells handbags, and the requested loan is required for the purchase of merchandise.

Mrs. Sofia Sejas has a son, but this is not a limiting factor for her as she sells her products in the company of her son because she has no one with whom to leave him while she goes to work.

Translated from Spanish by Zal Bilimoria, Kiva Volunteer

El Banco comunal Claveles está formado por 12 clientes, pertenecen a la Zona de Pampahasi Bajo y Pampahasi Alto, están ubicados alrededor de la Sub alcaldia de alto San Antonio, las socias se dedican a la venta de Comida, Viveres, pan, Cerveza, Abarrotes, juguetes, Cosméticos Durante su permanencia en Emprender, que son 5 ciclos se reestructuro en un 30% de las socias
Mery Castro Bertiz Es la líder y presidenta del banco desde hace 2 ciclos teniendo en cuenta que el banco ya tiene como antigüedad 5 ciclos, la socia tiene una tienda de abarrotes.
En su banco comunal ha aprendido a ser una líder responsable con sus compañeras, exigente con sus cuotas de sus compañeras a la hora de pago, amigable, alegre. con el préstamo que se le ha otorgado a podido aumentar su capital en la tienda aportar de esa forma con ingresos para su familia.
Irene Chacon Apaza La señora es la Tesorera del Banco es una de las fundadoras que dio origen a la conformación del banco claves se dedica a la venta de comida, en feria, fiestas y en diversas actividades sociales que se presentan no contaba con capital para emprender su propio negocio, sin embargo ahora con el préstamo que se le dará ella podrá comprar materia prima para iniciar su propio negocio.
Sofia Machicado Sejas Socia bastante dinámica, alegre, es la secretaria del Banco, durante su permanencia en el banco siempre se encuentra animando a sus compañeras, a seguir adelante, actualmente se dedica a la venta de carteras, el crédito solicitado, lo requiere para la compra de mercadería.
La señora Sofia Sejas tiene un hijo, sin embargo esta no es una limitante para ella ya que sale a comercializar sus productos en compañía de su niño debido a que no tiene con quien dejarlo mientras va ha trabajar.



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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