Mina Chojlla Group
Valeriana Añaya is married and has three children. She is one of the members, and she says she has been in the group for one and a half years. She joined the group because her niece invited her, and she needed capital for her business. She sells food. She first worked as a cook, and two years ago she wanted to be independent. She sells everyday in a place close to her home. She currently needs a loan to buy tables and chairs.
The rest of the members also have their own businesses like weaving sweaters, making shoes, and selling clothes and dried food. All of them need the loan to buy merchandise or raw material.
Valeriana Añaya, casada y madre de 3 niños, es una de las integrantes y cuenta que está en el grupo hace 1 año y ½, ingresó al grupo por invitación de su sobrina y porque necesitaba capital para su negocio, ella vende comida, inicialmente trabajaba como cocinera y quiso independizarse hace 2 años. Vende todos los días en un lugar cerca de su domicilio, actualmente necesita del préstamo para comprar capital fijo, es decir, mesas y sillas.
Las demás integrantes también tienen sus propios negocios como el tejido de chompas, producción de zapatos, venta de ropa y alimentos secos, todas necesitan el préstamo para comprar mercadería o materia prima.
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.
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