The “Flor de Haba” communal bank will start its fifth cycle with Pro Mujer, as part of the Patacamaya regional office. There are 12 members and the group is led by a board of directors, of which Señora Esperanza is the treasurer. The members of the communal bank are involved in a variety of businesses, including selling food, a neighborhood store, construction, driving a taxi, selling bread, selling sundry items and selling toasted sandwiches.
Señora Esperanza indicates that this is her fifth cycle with Pro Mujer and that she joined the institution because she was invited by a promoter. Currently she has a business selling food which she has been doing for years, having learned from her sister.
The loan that she will take is to increase her capital for the purchase of grocereies which she will adquire in El Alto and later sell in her community. Working in this way allows her to generate resources to support her family. She lives with a partner, and they have a child.
When she was asked what she likes about Pro Mujer, Esperanza responded that she likes the health services.
La A.C. “FLOR DE HABA” iniciará su quinto ciclo en Pro Mujer, como parte del centro focal Patacamaya, está compuesta por doce integrantes y está dirigida por una mesa directiva de la cual la señora Esperanza es la tesorera. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos tenemos: venta de comida, tienda de barrio, constructor, taxista, venta de pan, venta de artículos varios, venta de tostado.
La señora Esperanza indica que es el quinto ciclo que trabaja en Pro Mujer y que integro la institución por invitación de una promotora. En la actualidad ella tiene un negocio de venta de comida que viene trabajando hace años atrás, aprendiendo el mismo de su hermana.
El préstamo que sacará es para aumentar su capital (compra de víveres) que adquirirá de El Alto y posteriormente lo venderá en su comunidad. Esta forma de trabajo le permite generar recursos para apoyar a su familia, pues ella vive en concubinato y tiene un hijo.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta la capacitación en salud.
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.