The Group “Las Bondadosas” (The Kind-Hearted Ones) is led by Sra. Doris and consists of 13 members (12 women and 1 man). They are starting their third loan cycle together and have demonstrated unity, responsibility, and the desire to succeed in their businesses. The members engage in retail businesses selling products from their kiosks such as bread, food, empanadas, baskets, cosmetics, and perfumes. The male member works as a bricklayer. The president of the group is a nanny and has demonstrated her youthful spirit. Competition is especially high in the retail market, so the members are obligated to diversify their merchandise or move their vending posts to areas where this less competition.
They have requested a loan so that they can purchase merchandise to make them more competitive. They will also be able to acquire their own vending posts in places that are more competitive so that they can generate better earnings. Therefore, they will be able to provide their families with a better quality of life.
El grupo “Las Bondadosas” están representadas por la señora Doris y conformadas por 13 miembros de los cuales solo uno es varón, las socias van cursando juntas ya su tercer ciclo en los cuales han demostrado unión, responsabilidad y ganas de salir adelante en sus negocios. La socias se dedican a la venta de productos como pan, comida, empanadas canastas, cosméticos, perfumes y la atención en Kioscos el varón se dedica a al albañilería y la presidenta es niñera por lo que siempre demuestra un espíritu joven. La competencia en especial en el rubro de ventas de productos es alta por lo que las socias se ven en la obligación de diversificar su mercadería o mover sus negocios a lugares con menor competencia es por esta razón que requieren del crédito para poder adquirir mercadería más competitiva y para poder adquirir sus propios puestos de trabajo en lugares mas competitivos y así poder generar mayores ingreso para poder brindar a sus familias una mejor calidad de vida.
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.