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Oriental Group
In this Group: Dalia, Yovanna, Juana, Blanca Nieve, Veronica, Francys, Tomas, Maria Nelly, Blanca, Marithza, Erika, Mabel
The Oriental Communal Bank is represented by Sra. Dalia and consists of 12 group members. Most of the group is currently in its third loan cycle and has been punctual in making previous loan payments. The group is responsible and united. They are very hard-working people, as can be seen at their stands, where they sell empanadas (meat pastries), cards, food and groceries. Some of the male group members work in passenger transport.

The group members are not very worried about competition in their respective fields; they just focus on working hard in order to get ahead through effort and dedication. Dalia is the group president, and has been selling cakes for the past 20 years. Yovanna has been selling cards for the past year, Juana has been selling empanadas for 2 years, Blanca Nieve has been working as a promoter for the past 3 years, Veronica has been working at her restaurant for the past 2 years, Francys has been working as a promoter for 2 years, Tomas is a taxi driver and has 9 years of experience, Maria Nelly has been selling empanadas for one year, Blanca has two years of experience selling prepared meals, Marithza has been selling empanadas for the past year, Erika has been selling empanadas for the past 2 years, and Mabel has 3 years of experience running her grocery store.

Most of the group members will use this loan to buy more merchandise to sell: for example, the members who sell food in restaurants or on the street will buy ingredients to prepare their pastries. The male group members will re-upholster their vehicles and buy some replacement parts in order to better serve their clients and earn more income for their families. The group members want to be able to provide their children with a professional-level education and a more comfortable home, and so they will continue to work until their dreams become reality.
View original language description ↓
El banco comunal "Oriental" esta representado por la señora Dalia y conformado por 12 miembros que en su mayoría van cursando ya un tercer ciclo demostrando siempre puntualidad en sus pagos, responsabilidad y unidad en sus grupo, son gente muy trabajadora como lo demuestran en sus puestos de venta de empanadas, tortas, tarjetas, comida y barrotes algunos de los varones se dedican al transporte de pasajeros.

En cuanto al entorno competitivo podemos mencionar que los socios no les dan mucha importancia tan solo trabajan para salir adelante con su esfuerzo y dedicación. Dalia que es la presidenta de grupo se dedica a la venta de tortas tiene un experiencia de 20 años, Yovanna se dedica a la venta de tarjetas y tiene experiencia de 1 año en este rubro, Juana se dedica a la venta de empanadas desde hace 2 años, Blanca nieve es promotora desde hace 3 años, Veronica se dedica a atender en su restaurante desde hace 2 años atrás, Francys también es promotora desde hace 2 años, Tomas es taxista y tiene una experiencia como chofer de 9 años, Maria Nelly se dedica a la venta de empanadas desde hace 1 año, Blanca vende comida y tiene experiencia de 2 años en el rubro, Marithza se dedica a la venta de empanadas desde hace 1 año atrás, Erika también se dedica a la venta de empanadas desde hace 2 años atrás, Mabel atiende su tienda de abarrotes y tiene una experiencia en este negocio de 3 años.

El destino del crédito es mayormente para incrementar su mercadería para la venta así como la compra de insumos para la elaboración de sus masitas y principalmente para la mayoría de la socias que venden comida en sus restaurantes o de manera ambulante, los socios desean retapizar sus vehículos y comprar algunos repuestos para otorgar un mejor servicio y generar mejores ganancias para el sustento de sus hogares. Las expectativas de los socios es poder brindarles a sus hijos una profesión y un hogar mas cómodo es por ello que seguirán trabajado hasta ver sus sueños hechos realidad.

Additional Information

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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