K. Nansubuga, in the small photo, is the leader of her lending group in Kayunga. She is 47 years old and married with 7 children, of whom two are at the university and five are in secondary school as she takes care of 5 grandchildren. Nansubuga is a business lady who has been involved in the sale of produce like matooke, cassava, and sweet potatoes from Kungu-Kavule for 10 years, and she is able to make 60,000 in profit a week. She is a very friendly lady, and this has won her more customers. Nansubuga has a plan of beginning to offload a truck full of matooke for sale, since the experience she has in business shows that matooke are more marketable than other produce in her area because it is rarely grown, unlike other crops. She needs a loan to be able buy more produce for resale.
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.