The Las Divinas Loan Group is represented by Señor Carlos and consists of twelve people, among whom there exists a family relationship between Señoras Lizeth and Liliana who are sisters but whose finances are separate.They come from large families, as the the photograph shows, since some of the members may be seen with their spouse and small children. Among the activities these members are engaged in for their daily income are: selling juices, cosmetics catalog sales, selling clothing, or prepared food, or selling groceries in neighborhood stores. Within the competitive framework, the members have a large market and so competition does not worry them. The objective of the loan is to buy items of consumption and tools that would help them to increase their incomes in order to be able to proviD. their families with a better quality of life. In spite of being a relatively new group, many members of this group have experience in solidarity group lending through other institutions that are similar to AgroCapital. Their solidarity group experience has helped to give them confidence and also economic help to improve their earnings and in turn the quality of their lives and homes.
El Grupo “Las divinas” es un grupo representado por el señor Carlos y conformado por 12 personas dentro D. las cuales existe un parentesco familiar entre la señora Lizeth y Liliana que son hermanas, pero con actividades económicas independientes, vienen D. familias amplias como lo demuestra la fotografía ya que alguna D. las socias se encuentra con su esposo e hijos pequeños. Dentro D. las actividades que realizan los señores para el ingreso diario esta la venta D. juguetes, cosméticos por catálogos, ropa, comida y abarrotes en tiendas D. barrio. Dentro del marco competitivo las socias tienen una amplio mercado por lo que no les preocupa la competencia. El destino del financiamiento es para la compra D. insumo y herramientas que coadyuve al incremento D. sus ingresos para poder brindarles a sus familias una mejor calida D. vida. A pesar D. ser un grupo relativamente nuevo ya tienen experiencia en grupos solidarios debido a financiamientos con entidades similares a la fundación Agrocapital quien les brinda la confianza y un apoyo económico para mejorar sus ingresos y la calida D. vida D. sus hogares.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.