Carmencita is a member of the Faith and Action 3 - 4 Group, all microentrepreneurs selling clothing, shoes, handicrafts, and miscellaneous products. Her plazas are located in the city of Hato Mayor, an agriculture-based city in the northeast of the country. This member of Esperanza started with us because she wanted to invest in her business. She is the single mother of 2 sons, both still living with her. It is for them that she works so hard at her business. She tells us that her most difficult challenge is the construction of her house, which is also her most cherished dream. She enjoys caring for her children and being with them. Carmencita was very touched to receive her loan from Esperanza Internacional, after having satisfactorily paid off her former loan and having taken a break to grow her business. She has had this business for about 3 years, started with the first loan from Esperanza. She will invest her new loan in clothing such as skirts, pants, shirts, etc. She will use her earnings to continue the construction of her house, since her dream is to be able to live comfortable without paying rent.
Carmencita es una de los miembros del Grupo Fe y accion 3 y 4, son microempresarias dedicadas a las ventas de ropa, productos misceláneos, zapatos, artesanía, etc. Sus plazas se encuentran en la ciudad de Hato Mayor, una ciudad dedicada a la agricultura al noreste del pais. Está asociada de Esperanza comenzó con nosotros porque tenia el deseo de invertir en su negocio. Es madre soltera con 2 hijos, que aun viven con ella, por los que se esfuerza y se dedica a trabajar. Nos dice que su reto mas dificil es construir su casa, siendo este tambien su mas anhelado sueño. Disfruta cuidar y estar con sus hijos.
Carmencita está muy emocionada de recibir su préstamo en Esperanza Internacional, después de haber pagado satisfactoriamente su préstamo anterior y haber dado un paso para el crecimiento de su negocio. Ella ha tenido su negocio por alrededor de 3 años, el cual inició con su primer préstamo que tomo en Esperanza. Va a invertir su nuevo préstamo en la compra de ropas como faldas, pantalones, camisas, etc. Ella va a utilizar sus ganancias para ir construyendo su casa ya que su sueño es poder vivir comoda y sin pagar alquiler.
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.