Grupo Unidas Group
Each time the river rose they had to leave their home because it would end up under water. Back then there was still no retaining wall. Isabel could only study up to her third year of secondary education because when she was 15 her father abandoned the family and, as the eldest daughter, she had to work to help her mom raise her siblings.
Maria Isabel started working as a cleaner. At the age of 19 she had her first child and had to go and work on a farm stay as a cook in order to be able to raise her child.
Isabel currently lives in San Francisco neighborhood, in the city of Concepción with her partner, 32 year-old Carlos Alberto, who works as an assistant chainsaw operator. They have two children: 15 year-old Daysi and 8 year-old José Miguel. She currently works selling clothes and shoes.
Isabel is a member of the 'Grupo Unidas' committee which has 19 members who all want to escape the poverty that they live in with their families. However, in order to achieve this they need the financial help of Kiva through Fundación Paraguaya. They are requesting this loan so that they can make progress, make more income and enjoy a better quality of life. Isabel will invest her loan in buying clothes and shoes for resale, bearing in mind that purchasing goods in large quantities reduces costs and increases profits.
Cada vez que el río subía tenían que abandonar su casa debido a que esta quedaba bajo agua y en aquella época no existía todavía el muro D. contención, ella solo pudo estudiar hasta el tercer curso por que cuando cumplió quince años su padre les dejó y como ella es la hermana mayor tenía que trabajar para ayudarle a su mamá a criar a sus hermanos.
Empezó a trabajar como empleada doméstica, a los 19 años tuvo su primer hijo y tuvo que irse a trabajar en una estancia como cocinera para poder criarle a su hijo.
Actualmente la señora Isabel vive en la ciudad D. Concepción en el barrio San Francisco con su pareja, Carlos Alberto D. 32 años, quien se dedica a ayudante D. motosierrista, tiene además dos hijos: Daysi D. 15 años y Jose Miguel D. 8 años, actualmente se dedica a la venta D. ropas y zapatos.
Ella es miembro del Comité Grupo Unidas, el cual se formó con 19 integrantes, quienes desean superar la pobreza en la que viven con sus familias, pero necesitan para ello la ayuda económica D. Kiva mediante Fundación Paraguaya, por eso solicitan este crédito, D. modo a que puedan progresar, generar mayores ingresos y percibir una mejor calidad D. vida.
El crédito se invertiría en la compra D. ropas y zapatos para la reventa, teniendo en cuenta que las compras en grandes cantidades reducen los costos y aumentan las ganancias.
About Fundación ParaguayaFundación Paraguaya is a financially self-sustaining social enterprise that promotes entrepreneurship in urban and rural areas through microfinance, education programs, and more. Its focus on agriculture has helped many farmers boost their crop yields. And a number of other borrowers have taken out loans to start and grow social businesses that have helped deliver eyeglasses, medicines and other helpful services in their local communities.
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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