Robina is 32 years old and makes gloves to financially support her family. She receives orders from different factories and shops and fulfills them to earn profits. She also carries out her responsibilities as a housewife very well. Her husband is a driver by profession. He provides transport services to passengers. Robina is the mother of two daughters and a son. Her daughters are students, while her son is only 2 years old and has not started his education yet.
Robina has applied for a loan from Kiva's partner, Asasah, for the expansion of her glove-making business. With the loan, she will buy a glove-making machine that will help her finish her orders on time and earn her better profit. She started her business a couple of years ago, and it is doing well for her. She hopes that after the loan investment she will be able to improve it further. She is a new loan applicant of Asasah.
In the photo, the lady raising her hand is Robina.
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.