María Reina De La Paz (Cuenca) Group
One of the group members is Rosaura, who is 52 years old and is married with eight children. Two of her children are married and live with their families, while three of her children are employed and contribute to their family’s economic situation. One of her sons is studying at a university, another is in high school, and her youngest son attends a public school in Cuenca. Her husband works as a private security guard, and contracts out his services. They live in their own house.
Rosaura completes the chores around the house, and uses her free time to travel around the area selling clothing and cosmetics. She began working in sales three years ago, and works seven days a week without a fixed schedule.
This is her third loan through the community bank, and with the support from this new loan, she plans to purchase clothing and cosmetics so that she can continue her business. She hopes to continue growing that business, and her goal is to eventually buy land.
The small photos of the three women and one man are of the group members who were absent when the group photo was taken.
Una de las socias de este grupo es la Señora. Rosaura, tiene 52 años, es casada y fruto de su unión conyugal ha concebido 8 hijos, dos de ellos son casados y viven independientes, tres de sus hijos trabajan y le ayudan económicamente, un hijo estudia en la Universidad, otro en el colegio y su último hijo estudia en una escuelita de la ciudad. Su esposo labora prestando sus servicios como guardia de seguridad privado, la casa en la que viven es de su propiedad.
Doña Rosa se dedica a los quehaceres de su hogar y aprovecha su tiempo libre para dedicarse a la venta ambulante de de ropa y cosméticos, este negocio lo desempeña hace 3 años y trabaja de domingo a domingo sin horario fijo.
Se encuentra en su tercer crédito que realiza en el banco comunal y su nuevo crédito lo va a invertir comprando ropa y cosméticos para continuar con el negocio y seguir creciendo.
Su meta es comprarse un terreno.
Las fotos pequeñas son de tres socias y un socio que no pudieron estar presentes cuando se tomó la foto del grupo.
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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