Graciela C., 36, is married and the mother of three children. From a very young age, even before she was married, she has been a fruit seller. She learned this trade from her mother. She brings her merchandise from Alto Beni and Yungas to the city of La Paz and sells, at both wholesale and retail, in the El Tejar neighborhood. She needs financing to buy merchandise, especially oranges and postre (exotic fruit from the Bolivian Yungas). She has worked with the Pro Mujer family for six years. She took a cycle off but has now returned as a new member of a new group called Bolivia which, in turn, is part of the Los Andes communal bank. She likes the training very much because it is an opportunity to learn new things. She also comes to the health clinic for her PAP (Papanicolau) smear. Like Graciela, the other group members have their own lines of work such as: DVD rentals, blankets, fruit, photocopying services. They need funding to increase their working capital.
Graciela C. de 36 años, casada y madre de 3 niños, vende frutas desde muy joven, incluso antes de casarse, aprendió esta actividad de su madre, ella trae su mercadería de Alto Beni y los Yungas de la ciudad de La Paz, y vende en la zona El Tejar por mayor y por menor, ahora necesita el préstamo para comprar mercadería, específicamente naranja y postre. Trabaja con la familia de Pro Mujer desde hace 6 años, ha descansado un ciclo y ahora está retornando como nueva en un nuevo grupo que se llama Bolivia, que a su vez pertenece al Centro Focal Los Andes, a ella le gusta mucho la capacitación porque tiene la oportunidad de seguir aprendiendo, también asiste al consultorio a hacerse el examen del PAP (papanicolau). Al igual que Graciela las demás integrantes tienen sus propios negocios como la venta de DVD, mantas, frutas y atención de fotocopiadora. Necesitan el préstamo para incrementar su capital de trabajo.
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.