El Papagayo (Portoviejo) Group
It is in this place where Sra. Virginia lives. She is 24 years old, married, and has a five-year-old son who is in kindergarten. Her husband is an auto mechanic. Virginia is a young homemaker who sells clothes through catalogs of various brands so that she can earn her own income. She works four days a week by going door-to-door and taking orders. Virginia offers her products on credit and collects payment each week. She takes advantage of the morning hours while her son is at school and has been able to improve her sales. Virginia receives her products at a distribution center. She has been in business for more than a year and has done very well.
Her loan will be used to buy trousers, shirts, blouses, and children’s clothing since she has several orders. This is her first loan cycle with the Communal Bank. Virginia serves as the president and enjoys the speed by which she was able to secure the loan. Her dream is to continue forward in her business.
En este lugar vive la señora Virginia, tiene 24 años de edad, está casada y de esta relación tiene un hijo de 5 años, el mismo que está en jardín de infantes. El marido es mecánico automotriz.
Ella es una joven ama de casa que para obtener sus propios recursos se dedica a la venta de ropa por catalogo de varias marcas. Trabaja cuatro días de la semana y su forma de venta es puerta a puerta y bajo pedido, deja sus productos a crédito y cobra cada semana, aprovecha las horas de la mañana ya que a esta hora su hijo está en el jardín y así puede realizar mejor sus ventas. Sus productos los recibe en el centro en una distribuidora. Tiene más de un año que se dedica a esta actividad y le va muy bien.
Este crédito es para comprar pantalones, camisas, blusas y ropa de niños ya que tiene varios pedidos. Este es el primer ciclo en el Banco Comunal, es la presidenta y le gusta por la rapidez para conseguir los créditos.
Su sueño es seguir adelante en su negocio.
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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Success!! The loan was 100% repaid