Volver A Empezar Group

This group is comprised of happy and hard-working people who are parts of a longtime friendship. They live in a housing development near a ceramic company where their husbands work. These members contribute to the income with their husbands are saleswomen between the ages of 21 and 63.

The team leader has three young school-age children. The team leader, Ilse Lourdes, has a restaurant and sells fried chicken. The members elected her as their leader because of her enthusiasm and responsibility. The women have different businesses selling different things, including: clothing for men and women, underwear, groceries, and food. Some are fixed stores and others are street vendors. There is competition with other businesses, but the women have loyal customers who buy from them constantly. In the event that they have difficulty with their businesses the women diversify and have other sources of income. Some of them have begun to work part-time with a fixed wage.

The members want to take advantage of AVON, EBEL, ÉSIKA's offer and purchase more clothing and consumables (rice, pasta). The team leader wants to expand her restaurant and give more work to the people that live in the area. This group is requesting their first loan. The majority of the women already know each other and have participated in loans with other financial entities.

Translated from Spanish by Laurie Paguio, Kiva Volunteer

Es un grupo de personas alegres y trabajadoras, tienen una amistad desde hace mucho tiempo viven una urbanización que les brindo la una empresa de cerámica donde sus esposos trabajan, las socias para colaborar con sus esposos salen a vender y sus edades varían desde 21 hasta 63 años. La presidenta tiene 3 hijos pequeños los mismos van a la escuela. La presidenta Ilse Lourdes tiene un restaurante y vende pollo a la broaster. Las socias la eligieron como presidenta por el entusiasmo y responsabilidad que tiene. Las señoras tienen diferentes negocios como: venta de ropa nueva para personas adultas, venta de ropa interior, venta de abarrotes y venta de comida; algunos negocios son fijos y otras son ambulantes. Sus competidores de sus negocios están presentes, pero las señoras tienen clientes fieles que les compran constantemente, en caso de dificultades de su negocio, diversifican su actividad comercial para obtener ingresos, algunas de ellas empiezan a trabajar medio tiempo con un sueldo fijo y el otro medio tiempo atienden su negocio. Las socias quieren aprovechar las ofertas de AVON, EBEL, ÉSIKA y comprar más ropa e insumos (arroz, fideo). La presidenta quisiera ampliar su restaurante y dar más trabajo a las personas que viven por la zona. Este grupo está emprendiendo su primer ciclo. La mayoría de ellas ya se conocen entre ellas y participaron en otros créditos en otras entidades financieras.


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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