N. Jane, at the top left, also appears in the group photo. She is the leader of her lending group in Kampala. She is a friendly lady and married with six children. One of her children is in the secondary section while five are in the primary section. She takes care of two dependants. Jane has had a retail shop in the Namugongo Nsawo zone for 10 years. She is able to make profits amounting to 85,000/= per week although she lacks enough capital for her business. She says that her good customer care skills have won her more customers and she would like to expand her shop further in the future as well as to have a well-off and educated family. Jane needs a loan to be able to buy more merchandise like sugar, cooking oil, bread, blue band (a spread for bread) and others for her shop.
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.