Sra. Daysi, the President of the Communal Association, said that she has been a member of “Angoritas” for approximately a year and a half and has participated in three loan cycles. During this time, she has managed a business selling hamburgers and “salchipapas” (sausages and fried potatoes). Sra. Daysi did not have a business before. She used her first loan to buy supplies she needed to start her business such as bread, potatoes, oil, sausages, meat, and paper sacks. The loan for this cycle will be used to buy supplies in bulk, thus allowing her to save some money. Whenever the ladies purchase in bulk, the unit cost per item is less.
Daysi conducts her sales from a kiosk she borrowed from her aunt. Her business is open on Thursdays, Saturdays, and Sundays. By working to this schedule, she is able to take care of her five children. Her greatest challenge is leaving them alone since her husband is deceased.
When asked what she likes about Pro Mujer, Daysi said she enjoys the opportunity to receive a loan with a group guarantee since she currently has no other type of guarantee. In addition, she has been treated well by the staff and is excited about continuing ahead.
The photo shows nine adults because the mother of one of the members (the woman in the front row who is knitting) was present at this meeting.
La señora Daysi, presidenta D. la asociación comunal, indica que forma parte D. la A.C. “Angoritas” 3 cicL., aproximadamente año y medio, el mismo tiempo que tiene el negocio D. venta D. hamburguesas y salchipapas. La señora Daysi antes no tenía negocio, con su primer crédito pudo comprar lo indispensable para iniciar el negocio, como ser: pan, papa, aceite, salchichas, carne, bolsitas. El crédito D. este ciclo es para comprar L. insumos por mayor y D. ésta manera ahorrar, pues cuando las señoras compran por mayor, el peso es completo y el costo es menor.
Las ventas se realizan en el Kiosco que le prestó su tía, L. días jueves, sábado y domingo.
Esta forma D. trabajo le da tiempo para atender a sus cinco hijos, desafío que lleva adelante sola, debido a que su esposo falleció.
Cuando se le consulta qué le gusta D. Pro Mujer, ella responD. que le gustó el hecho D. que le dieran la oportunidad D. recibir crédito con la garantía solidaria ya que no contaba con otra garantía. También, dijo que el trato D. la asesora era bueno, pues ella le animaba a seguir adelante.
En la reunión se encontraba la mamá D. una D. las socias (la señora que está tejiendo en primera fila), por eso son nueve en la foto.
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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