Ricarda is a 38-year-old married mother of one daughter, Alberta, who has Down's Syndrome. Her husband, Silvino, is a field worker. She has been selling candy for 5 years, and will invest her loan in purchasing new candy, chips, juice, etc. Ms. Ricarda would like for her business to grow. She hopes that it will prosper, and she is happy because the business is a source of income for her family. She really wants to get ahead with her husband and daughter.
Ricarda is a member of the "Para Siempre" group, which consists of the following 10 enterprising women: Emma, Jorgina, Ricarda, Quintina, Ma del Rocio, Eridia, Celsa, Danelia, Norma, and Itzel. They all own businesses and sell things like bread, candy, footwear, cosmetics, food, sandals, etc.
Ricarda cuenta con 38 años de edad, es casada tiene 1 hija se llama Alberta esta enferma síndrome de down, su esposo se llama silvino es campesino, ella se dedica al comercio de dulces ya tiene 5 años con el negocio e invertirá su préstamo en la compra de dulce nuevos, sabritas, jugos etc. A doña Ricarda le gustaría que el negocio creciera, espera que le vaya muy bien, está contenta porque el negocio es una fuente de ingresos para su familia pero tiene todas las ganas para salir adelante junto su esposo y su hija.
Ricarda pertenece al grupo "Para Siempre" el cual esta integrado por 10 personas las cuales todas son mujeres trabajadoras a continuación serán mencionadas: Emma, Jorgina, Ricarda, Quintina, Ma del Rocio, Eridia, Celsa, Danelia, Norma, Itzel, todas realizan actividades comerciales como son: venta de pan, dulces, calzado, cosméticos, comida, huaraches, 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.