La Cabañita Group
Blanca is 36 years old and married to Faustino. They have three children: a young girl of 17 who is in senior high school and two younger children who are in high school. Blanca's business is a bakery which supplies several businesses in her community. She also goes out to sell her products with her children in their neighborhood in the afternoons. She has owned this business for approximately ten years. She tells us that her husband's family taught her how to make the different types and flavors of bread such as 'conchas de chocolate' ("chocolate shells" - chocolate flavored bread that is often dipped in hot drinks), 'cuernitos' ("little horns" - croissants), 'borrachitos' ("little drunken ones" - a sweet treat soaked with alcohol), 'espejos' ("mirrors" - large, glazed cookies), 'hojaldras' (dough fritters), etc. She says that she starts making her bread very early in the morning, at 4.00am, so that she can get it out of the oven and start selling it very early. In the afternoon she makes another batch at 4.00pm to sell in the evening.
Blanca is requesting a loan from our financial institution to buy flour, vegetable shortening, eggs, milk, sugar, salt, etc. She tells us that, thanks to the loans that she has received, her business has gradually improved as she didn't used to make much bread owing to a lack of ingredients. Now she and her husband go out and sell their products in other towns in a small van.
The other members of this group are Consuelo, Leticia, María del Rosario, Florentina, Maribel, Tomasa, Marisela, Martha, Isabel, Liliana, Reynalda, Sofía and Gabriela. They will all invest their loans in different businesses such as a silk screen printing workshop, a grocery store, selling sheets, bedspreads and footwear through catalogs, selling cosmetics, a fruit and veg stall, selling costume jewelry, a garage, a bakery, a poultry store, etc.
Ella esta pidiendo un préstamo a la financiera para la compra de harina, manteca vegetal, huevos, leche, azúcar, sal etc. doña Blanca comenta que gracias a los préstamo que le han hecho su negocio poco a poco a mejorado ya que antes no hacían mucho pan por falta de ingredientes y que ahora salen a vender a otras localidades en una combi de su esposo.
Las otras integrantes del grupo se llaman Consuelo, Leticia, Ma. del Rosario, Florentina, Maribel, Tomasa, Marisela, Martha, Isabel, Liliana, Reynalda, Sofía y Gabriela todas ellas invertirán los prestamos en diferentes negocios como en un taller de serigrafía, abarrotes, venta de sabanas, colchas y calzado por catalogo, venta de cosméticos, en un puesto de frutas y legumbres, bisutería, taller mecánico, panadería, polleria etc.
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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