Guapuru Group

The Guapuru Communal bank was founded in 2007. They are currently in their sixth cycle. All of the members are accomplished, and they are united among themselves. They hold their meetings in Ruth Montegro’s house. She has been the president for two cycles. Most of the members prepare and sell food, make bread, or sell cosmetics. One member of the group is a man who, in addition to selling food, also manages sound and animation equipment.

Ruth Montegro is one of the founders of the communal bank. She is married and has a daughter who goes to school. She lives in a rented house with her husband who works in urban transportation. She is president of the communal bank. She sells empanadas, and, most of all, she sells ordered lunches to businesses and construction workers. She now feels satisfied with the economic support she brings to her household. She feels important, and she also saves and shares with her friends and neighbors who are part of the bank.

Candelaria Viana is a very responsible member who always arrives before the others and is the last to leave. She makes bread in her house where she lives with her family. Her daughters help her make the dough and bake the bread. Soon, she would like to buy a larger oven and be able to set up her own store in her home. She wants to do this to improve her earnings. She knows that she is not very far from her goal because in her communal bank she has learned how to save money, be responsible, and to reach her objectives.

Andres Sanchez is a long-time member. He has been with the group for three cycles. He is an accomplished and responsible person. He sells food with his wife. On the week ends he works with his amplification equipment. He uses the equipment when he is contracted to work on the week ends at parties. He is proud to be part of a group of women who support each other and are accomplished. In addition to be responsible with his own family, he helps his sister raise his two nephews. He works hard and is very happy to belong to this communal bank.

Translated from Spanish by Ginny Kalish, Kiva Volunteer

Banco de Emprendimiento GUAPURU fue fundado en el año 2007; actualmente se encuentran en su sexto ciclo, todas las socias son cumplidas y solidarias entre ellas, las reuniones se realizan en la casa de la Sra. Ruth Montegro que es la presidente desde hace dos ciclos, la mayoria de ellas se dedica a la preparacion y venta de comida, panaderia y venta de cosmeticos, tienen un varon como socio en el grupo que ademas de la venta de comida tambien maneja un equipo de animacion y sonido.
La Sra Ruth Montegro es una de las fundadoras del banco de emprendiemiento, ella esta casada y tiene una hija que asiste a la escuela; vive en alquiler con su esposo que se dedica al tranporte urbano, ella es presidenta del Banco de Emprencdimiento y su actividad principal es la venta de empanadas y sobre todo almuerzo que deja a pedido en empresas y construcciones.Ahora ella esta muy satisfecha con la ayuda economica que brinda en su hogar , ya que se siente importante y ademas que ahorra y comparte con sus amigas y vecinas que son parte del Banco.
La Sra Candelaria Viana es una socia muy responsable siempre llega antes que los demas y es la ultima en retirarse, se dedica a la panaderia en su domicilio donde convive con su familia, sus hijas la ayudan a preparar las masas y hornear el pan, ella desea comprarse muy pronto un horno más grande y poder poner su propia tienda en la casa para mejorar sus ingresos, sabe que no esta muy lejos de su meta porque en el Banco de Emprendimiento ha aprendido a ahorrar dinero ademas de ser muy responsable y consecutiva con sus objetivos.
El Sr. Andres Sanchez es un socio antiguo, lleva tres ciclos con el grupo, es una persona responsable y cumplida, se dedica a la venta de comida junto a su esposa, ademas los fines de semana atiende su equipo de amplificacion, quienes le ayudan siempre que tiene que trabajar los fines de semanas en las fiestas que los contratan, él se siente orgulloso de estar con grupo de señoras que se apoyan y que ademas son muy cumplidas con su crédito, el colabora a su hemana en la crianzar de sus sobrinos, ademas de ser resonsable con su propia familia, por eso es que el trabaja duro y esta muy contento de pertenecer a este Banco de Emprendimiento.







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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