T. Jane is a hard working and bold lady who knows what she wants, no matter what. She is the leader of Kanyansheko Bakyara Twimukye group in Ibanda and a widow, with 7 children. All of her children are in O level school. She also cares for many relatives, although they do not stay with her. Jane has had a business of rearing goats for sale for 3 years, in Nyakigando village. The main business challenge is the failure to access drugs for her animals. She is able to make 50,000 UGX as profits per week, hence being able to look after her children. Jane is also a farmer, though on a small scale, and the food helps to feed her children and the excess is sold off for money. She has a dream of buying more goats and of growing more crops so as to turn into a modern farmer for more profits from more customers. She needs a loan to be able to buy more goats for her farm.
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.