Sra. Julia says that she is receiving her first loan with the “Alegria” Communal Association. Now she plans to increase her inventory of cheeses that she sells as a street vendor in the cities of La Paz (along the streets of Rodríguez and Gran Poder) and El Alto. This type of work enables her to support her family. Julia is married and contributes financially to her household.
When asked what she likes about Pro Mujer, Sra. Julia said she enjoys being given the opportunity to access credit with a solidarity guarantee as well as the treatment she receives from her loan officer who encourages her to move forward.
The members of the Communal Bank engage in different businesses. These include selling cheese, selling meat, weaving blankets, making crafts, selling vegetables, selling fish, and selling quinoa.
Upon visiting this group at their meeting, one could sense the strong friendship that exists among the members. One member named Yola is not in the photo because she had to leave abruptly for personal reasons.
La señora Julia, indica que es el primer ciclo de trabajo de la A.C. “Alegría”, y que ahora piensa ampliar su mercadería de venta de quesos; los que son vendidos de forma ambulante en las ciudades de La Paz (calles Rodríguez, Gran Poder) y El Alto. Esta forma de trabajo le ayuda para apoyar a su familia ya que ella es casada y aporta económicamente a su hogar.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gustó que le dieran la oportunidad de recibir crédito con la garantía solidaria y el trato de la asesora, pues ella anima a seguir adelante.
Los negocios que las integrantes de la banca comunal llevan adelante son variados: Venta de queso, venta de carne, tejido de manta, artesanía, venta de verduras, venta de pescado, venta de quinua.
En la reunión, que tuvimos la oportunidad de visitar, se encontraba una amistad fraterna de parte de las socias, sin embargo no pudimos contar, en la foto, con la presencia de Yola, ya que por razones personales se tuvo que retirar rápidamente.
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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