The group "Niño Divino" is represented by Sra. Veronica Shirley and maD. up of 15 members who are devoted to sales in the following categories: food, clothes, bread, perfumes and cosmetics through catalogues, groceries sold in their own stores, tailoring for men's clothing, and billiards services. Competition at a commercial level is high, but the partners have extensive experience and know how to get their businesses ahead by offering a variety of high quality products. The loan they have obtained is to expand their work capital and launch small businesses to further increase their gains. This translates into an improved quality of life for their families. They are very appreciative of this as well as the confidence that their investors put in them and it gives them motivation to continue working even harder. This is the first cycle the business partners are undergoing, but they are familiar with working as a unified group. They promise to give all they can to come out ahead with responsibility and unity.
El grupo “Niño Divino” esta representado por la señora Verónica Shirley y conformado poe15 miembros los cuales se dedican a la venta D. comida, ropa, pan, perfumes y cosméticos por catalogo, abarrotes en tiendas propias, a la confección D. prendas D. vestir para varones y la atención en billares. La competencia a nivel comercial es alta pero la socias tienen mucha experiencia y saben como sacar adelante sus negocios ofreciendo productos variados y D. buena calidad. El crédito que han obtenido, es para aumentar su capital D. trabajo y emprender pequeños negocios para incrementar más sus ganancias, que se traduce en mejorar la calidad D. vida D. sus familias que día a día van mejorando mas, por ello están muy agradecidos por la confianza depositada para seguir trabajando con mas ganas. La socias van cursando su primer ciclo pero ya cuentan con experiencia en grupos solidarios por lo se comprometen a dar todo D. si para salir adelante con responsabilidad y unidad.
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.