Renacientes (Cuenca) Group
Marcia S. is a member of the Renacientes community bank. She lives in Miraflores sector. This is her third loan as a member of the community bank which she likes because she has some great friends there with whom she enjoys herself.
Marcia has been working for a plastics distributor for 2 years. She works from Monday to Saturday, from 8.00am to 8.00pm. She also sells clothes. She started this business with the first loan she received through her community bank. She sells her products in her spare time and on weekends.
Marcia is 25 years old, married, and does not have any children yet. Her husband works as a cabinetmaker. They do not own their own home and so live in a rental property. Marcia will invest her new loan in buying more clothes. Her goal is to own her own home.
Sonia U. is another member of the Renacientes community bank and lives in Chilcapamba sector. She is 35 years old, married, and has 5 children aged 17, 15, 12, 8 and 7. Her eldest three children are studying in high school and her two youngest are attending elementary school in the city. Her husband works as a private employee. They do not own their own home but live in a rental property.
Sonia takes care of her housework and her children. She has also been selling cosmetics, children's outfits and books for 6 months. She sells these products all around the city. Sonia has been a member of the community bank for the past three loan cycles. She likes it because she has some very good friends with whom she gets to chat during each group meeting which takes her out of her routine. Sonia will use her loan money to buy chickens so that she can start out in the chicken business. Her dream is to own her own home.
La Señora. Marcia S. es socia del banco comunal Renacientes, vive en el sector de Miraflores, este es su tercer crédito que realiza en el banco comunal y le gusta ya que cuenta con grandes amigas con quienes se distrae.
Nuestra socia se dedica a laborar en una distribuidora de plásticos actividad que la realiza hace 2 años, labora de lunes a sábados desde las 8 de la mañana hasta las 8 de la noche. También se dedica a la venta de ropa, inicio este negocio con su primer crédito que realizo en el banco comunal, vende en su tiempo libre y fines de semana.
Doña Marcia tiene 25años, es casada y aun no tiene hijos, su esposo labora como ebanista, no tienen casa propia por lo que viven arrendando.
Su nuevo crédito lo va a invertir en la compra de más ropa. Su meta es tener su casa propia.
La Señora. Sonia U. es socia del banco comunal Renacientes, vive por el sector de Chilcapamba, tiene 35 años, es casada y tiene 5 hijos de 17, 15, 12, 8 y 7 años de edad, sus tres primeros hijos estudian en el colegio y sus dos últimos hijos en una escuela de la ciudad. Su esposo labora como empleado privado, no tiene casa propia por lo que vive arrendando.
Doña Sonia se dedica a los quehaceres de su hogar y al cuidado de sus hijos, hace apenas 6 meses se dedica a la venta de cosméticos, ternos de niño y libros, estos productos los vende recorriendo la ciudad.
Es socia del banco comunal hace 3 créditos y le gusta por que tiene muy buenas amigas con quienes conversa en cada reunión saliendo de su rutina, con el dinero de su crédito va a comprar pollos para iniciar esta actividad. Su sueño es tener su casa propia.
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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