Sebastiana, 42, is married. She never had the opportunity to go to school. She has five children four of whom are in school. She does domestic chores and raises animals. She started the work raising chickens and to date has four years’ experience. Her husband helps out farming corn.
She decides to organize a group to request a loan that she’ll use to buy domestic animals, to buy pigs to raise. The other group members are farmers and merchants. She hopes to improve the business and have more animals.
La señora Sebastiana es casada, tiene 42 años de edad, no tuvo la oportunidad de estudiar, tiene 5 hijos 4 de los cuales esta estudiando, se dedica a los oficios domésticos y a la crianza de animales, inició este trabajo con la crianza de gallinas y hasta el momento lleva 4 años de experiencia, cuenta con el apoyo de su esposo quien se dedica a la agricultura de maíz.
Decide organizar un grupo para solicitar un préstamo que lo utilizará para la compra de animales domésticos para la compra de cerdos para crianza, las demás integrantes del grupo se dedica a la producción agrícola y al comercio. Espera mejorar su negocio y tener más animales.
About Asociación ASDIR
ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural 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.