Flora is the leader of Nyabihoko Twebiseho group B in Kihihi. She is 53 years old and married with two children over 15 years old and still in school.
She has a produce-selling business whereby she sells fresh tea leaves from her tea plantation in Bigiri trading center and she has sold to Kayonza Tea factory for over 23 years. She is able to earn 120,000 UGX weekly.
She started her business after getting seedlings from the factory and also receiving training in tea planting from the factory and the sub county agriculture department. She is very hard working and she wants to add on more tea gardens as well as improve on her homestead.
So far, the loans have helped her with increasing her working capital in her gardens and being able to pay her laborers wages. She needs a loan to be able to rehabilitate her tea plantation.
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.