B. Judith, the chairperson of Kasharara Bakyara Twimukye Group, is 40 years old and has 2 children: 1 is at a university, while the other is in secondary school. Judith also takes care of her 2 brothers. For the past 12 years, she has been running a shop that also operates as a bar in Kagongo, Ibanda district. She has borrowed from the loan organization before, and currently needs support to expand her business by increasing the stock of sodas, beer, and other drinks. Judith's dream is to see her business transform into a whole-sale business, so that she can afford to buy a new business car.
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.