3 Marias Group

The “3 Marias” group is represented by Silpa who is related to her daughter Tatiana and also related to Cristina and her niece Grecia Katerine, they all have independent income from each other; therefore, there are no risks in the group. In their majority, the members of the group work in commerce; selling products such as clothing, food, bread, CDs, chicken, sodas and activities such as professional photography. In commerce there is supply, demand and competition, it all comes down to offering quality products and a low price, it also depends on the member’s capacity to overcome any obstacle. The purpose of the loan is to purchase ingredients and materials to improve the business and increase income to provide a better quality of life and better opportunities to their families. Amongst the members there are some who have experience being in group loans and others for whom it will be the first loan and feel capable of being responsible to the group and to Fundacion Agrocapital, who provides them with the opportunity of getting a loan that has great advantages.

Translated from Spanish by Sofia Burt, Kiva Volunteer

El grupo " 3 Marías " esta representado por la señora Silpa quien tiene un nexo consanguíneo con su hija la señora Tatiana y un segundo parentesco entre la señora Cristina y su sobrina Grecia Katerine todas ellas tienen ingresos independiente una de la otra por lo que no existe riesgos en el grupo. En su mayoría los miembros del grupo se dedican al comercio de productos como la ropa, comida, pan, venta de CDS, pollo, refrescos y a actividades como la fotografía profesional. Dentro del rubro comercial existe la oferta y la demanda y la competencia, todo depende de ofrecer productos de calidad y a un bajo precio, también de la capacidad de los socios de salir adelante ante cualquier obstáculo. El destino del financiamiento es para la compra de insumos y materiales para mejorar sus negocios e incrementar sus ingresos para mejorar la calida de vida de sus familias y brindarles una nueva oportunidad en sus vidas. Entre las socias hay quienes tienen experiencia con grupos solidarios y otras que reciben su primer financiamiento pero se sienten capaces de poder cumplir con su grupo y con la Fundación Agrocapital que les brinda la oportunidad de un financiamiento con grandes ventajas.


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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