One of the members, Ana María V., 48, has been a member for a year; she was invited to join by a girl friend. She sells school supplies and her highest sales occur at the beginning and half way through each year. During the rest of the year, sales are regular. She has her business in the 16 de Julio market and she has various customers.
Ana María will use the funds to buy school supplies, such as: notebooks, paper, etc.
Una de las socias es Ana María V., indica que se encuentra en la Asociación desde hace 1 año, ingresó al grupo por invitación de una amiga. A sus 48 años, tiene el negocio de venta de útiles escolares y tiene épocas de venta alta a principios y mediados de cada año, después la venta es regular, vende su mercadería en la Feria 16 de Julio, ofreciendo a diferentes personas. Ana María invertirá el préstamo en la compra de material escolar como cuadernos, hojas y demás.
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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