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Las Cariñosa Group
In this Group: Petrona, Mariela, Maria Ines, Maria Ester, Isabel, Maria Cristina, Cinthya, Carlos, Alberto*, Maria Adriana, Rosa*, Maria Lucia, Ana Maria, Virginia, Arnaldo
* not pictured
The Communal Bank “Las Cariñosa” (The Affectionate Ones) is led by Sra. Petrona and consists of 15 members, 3 men and 12 women, who have proven to be united and hardworking. They all live in the same neighborhood and know each other perfectly.

Sra. Petrona is married and has a school-age daughter. At the moment, she lives at her mother’s house but wishes to become independent and either rent a house or secure one through an “anticretico” arrangement (the owner pawns the property to the renter). Her husband works as a driver and contributes toward the household expenses and their daughter’s education. Sra. Petrona sews garments and her customers like the finishing touches she puts on her dresses. In order to expand her business, she wants to acquire a spinning machine and an embroidery machine so that she can start making garments in bulk and generate better income. She hopes to fulfill her dream of securing a home for her family and providing a better future for her daughter and husband.

The other members are engaged in selling food, cosmetics (such as Avon, Yambal, and Esika), milk, bread, and sweets. Some make furniture and Don Alberto is a musician. The competition does not present great difficulty since their vending posts are well-located near the local and inter-district bus terminals. This loan will be used to improve their businesses by purchasing supplies, merchandise, and equipment to help them become more efficient and generate better income to provide their families a better quality of life and stable households. Most of the members have been part of a solidarity group as a result of the loans they have received from other institutions similar to Fundación Agrocapital. They are grateful for the financial support and trust that is being demonstrated to them. Unfortunately, two group members hid when the photo was taken, so only part of their faces are visible.
View original language description ↓
El banco comunal “Las Cariñosa” esta representado por la señora Petrona y conformado por 15 miembros los cuales 3 son varones y 12 mujeres los cuales han demostrado ser unidos y muy trabajadores todos residen en el mismo barrio y se conocen a la perfección.

La señora Petrona tiene una niña en edad escolar y esta casada, vive por el momento en la casa de sus mama pero desea independizarse y conseguir una casa en alquiler o anticrítico su esposo es transportista y le ayuda con los gastos de la casa y con la educación de su niña, la señora Petrona se dedica a la costura de prendas de vestir teniendo clientes a las cuales les gusta el acabado de las prendas pero para seguir creciendo requiere adquirir una surf hiladora y una bordadora y poder expandir su negocio en al M. de la confección de prendas al por mayor y obtener mejores ingresos que le permitan cumplir su deseo de poder obtener un techo para su familia y un mejor futuro para su hija y su esposo.

El resto de los socios se dedican a la venta de comida, promotoras líderes de Avon, Yambal, Esika, venta de leche, pan, dulces y a la elaboración de muebles a pedido y don Alberto se dedica a la música. La competencia no representa mayores dificultades donde ellos tienen sus puestos de venta gracias a la buena ubicación de sus negocios que son paradas de flotas y buses Inter departamentales y locales. El crédito será utilizado en el mejoramiento de sus negocios con la compra de insumos, mercadería y la compra de herramientas para efectuar un trabajo más eficiente y obtener un mejor ingreso para mejorar la calidad de vida de sus familias y poder darles un hogar mejor establecidos. La gran mayoría de los clientes tienen experiencia de trabajar bajo la modalidad de banca comunal, gracias a créditos en instituciones similares a la Fundación Agrocapital con la cual están agradecidos por el apoyo económico y la confianza brindada.
Lamentablemente dos personas de las cuales se ven solo parte de sus rostros porque se escondieron al momento de la fotografía.

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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