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S N Jose Group
In this Group: Virginia, Hugo, Juana, Ines, Maria Ximena, Mariano, Maria Luisa, Julia, Dorys, Anselma, Rossana, Marlene, Bertha, Juana, Maribel
The Communal Bank “S.N. Jose” is led by Sra. Virginia and consists of 15 members (13 women and 2 men) who live in the same area.


Sr. Hugo is the father of three school-age children. He works as a mechanic and helps his wife at night with selling soft drinks and milanesas (breaded meats) from the corner of their house. His oldest son is 15 years old and in charge of looking after his younger siblings while he and his wife are running their business. Don Hugo is a man who has maD. many sacrifices. He is currently saving so that he can have a more comfortable home and proviD. his family with a better place to live. For this reason, he continues to work so that he can fulfill his greatest dreams of seeing his children become professionals and providing them with a decent and comfortable home.


The rest of the members are engaged in different business activities involving public transportation, roasted chicken sales, motorcycle taxis, soft drink sales, clothing, bread, empanadas, shoes, and housekeeping services. The competition that exists among their businesses is not as difficult since each member's business is well segmented and has its own distribution channels for selling and offering products. Their businesses are situated in strategic locations. The members who sell cosmetics have steadily built up their clientele and have been working for many years with their products.


This loan will be designated for investment in their various works. Some members are starting new businesses. Others are changing out their inventory based on the season and the market conditions of supply and demand. Most of the members only heard about the availability of these loans through their group, so they are taking a training course in which they are instructed in how credit works and the expectations the Institution has for each of its members. Some members are very knowledgeable already since this is an experienced group that has worked previously with another institution.

View original language description ↓
El banco comunal “S.N. Jose” esta representado por la señora Virginia y conformada por 15 miembros 13 mujeres y 2 hombres todos residentes D. la misma zona. El señor Hugo es padre D. 3 niños en edad escolar, el se dedica al servicio mecánico y por las noches ayuda a su esposa a la venta D. refrescos y milanesas en la esquina D. su casa su hijo mayor D. 15 años se encarga al cuidar a sus hermanitos durante el tiempo que sus papas realizan su actividad comercial, don Hugo es un señor muy sacrificado ya que se encuentra ahorrando para poder tener un hogar mas cómodo y poder darles sus hijos y a su esposa un mejor lugar donD. vivir es por eso que seguirá trabajado para poder hacer realidad su mas granD. anhelo ver a sus hijos profesionales y bajo un techo digno y cómodo. El resto D. los socios se dedica al transporte público, venta D. pollo a la Booster, moto taxista, venta D. refrescos, ropa, pan empanadas, zapatos y al servicio domestico. La competencia entre las socias D. sus negocios no es tan dificultosos por que cada negocio D. cada socia esta bien segmentado y tienen canales D. distribución para poder vender y ofrecer sus productos, tienen lugares estratégicos D. ubicación D. sus negocios y en la venta D. cosméticos tienen sus clientes fieles y constantes por que trabajan hace muchos años con estos productos. El crédito será destinado a la inversión en sus fuentes D. trabajo que son sus propios negocios en algunos casos iniciaron un nuevo negocio, o cambiar D. rubro según a la temporada D. la necesidad del mercado que exige la libre oferta y demanda. La mayoría D. las socias solo habían escuchado D. estos créditos en grupo, pero en la capacitación que se les da en el transcurso D. crédito, se les informo como era el movimiento y como era lo que desea esta institución para los socios, pero algunas socias ya estaban muy bien informadas D. esto, ya que es un grupo antiguo anteriormente habían estado en otra institución por lo que conocen la modalidad D. trabajo.

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.

About Bolivia

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