Mujeres En Accion 4 & 5 Group
Ramona's home is in a village called a Batey, a small town surrounded by a sugar cane field. This one is located in San Pedro. Bateyes are poor rural communities built by sugar companies to house their field workers. Over time, conditions in these communities have deteriorated badly, and houses are in poor shape. Bateyes typically lack potable water and any kind of reliable electricity. They also have few medical services.
Ramona is a member of the group, Mujeres en Accion (Women in Action), groups 4 & 5. Most of the members of the 7 other groups in her community are Haitian immigrants or part Dominicans. Ramona's story is representative of her group and of Esperanza's Haitian and Dominican clients, many of whom recently emigrated to the DR from Haiti.
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 Dominican Republic
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Success!! The loan was 100% repaid