Las Animas Group
Update on Las Animas GroupJosefina is a hardworking woman who is 43 years old. She is happily married to Erasto, and her husband works in the fields. They have 3 children: Cristian, aged 6, who is in pre-school, Erubey, 12, who is in 6th grade, and Argeni, who has a high school degree.
Josefina is content with her business, but she needs more merchandise. She is planning to invest her loan in products from the Jafra and Fuller brand, so that she will have actual products to display rather than selling only from a catalog. This way her customers can get to know the products. Josefina has had her business for about 9 years, and she wants to buy more products because her sales depend upon this and also because there are bonus gifts. She says that these gifts are a great help because they are good gifts, for example, refrigerators, blenders, etc.
Josefina is a member of the group "Las Animas," which has 9 members that will be mentioned below. They are: Leonarda, Gregaria Salome, Evangelista, Marena, Ma de Jesús, Ma Victoria, Rafaela, Gregaria, Miriam, and Josefina, and they specialize in the sales of: perfumes, chicken, flowers, vegetables, shoes, food, cosmetics and fruit.
Josefina está contenta con su negocio pero necesita más mercancía lo cual piensa invertir su préstamo en más productos de la marca Jafra y Fuller, para ya no tener que vender solo por catálogo sino tener en exhibición, para que el cliente sepa como es el producto, Josefina tiene acerca de 9 años con su negocio lo cual quiere comprar más productos por que depende de sus ventas, hay regalos de bonificación y eso le ayuda porque dice que son regalos bueno por ejemplo Refrigeradores, licuadoras etc.
Josefina es integrante del grupo Las Ánimas lo que está integrado por 9 integrantes que a continuación serán mencionadas: Leonarda, Gregaria Salome, Evangelista, Marena, Ma de Jesús, Ma Victoria, Rafaela, Gregaria, Miriam, Josefina y se dedican a la venta de: Perfumes, Pollos, Flore, Verduras, calzado, Comida, Cosméticos y Frutas.
Previous Loan DetailsMaría de Jesús is 24 years old, married and has 4 children, 2 of which are studying. Jacqueline is in her 3rd year of primary school, Daniel is in the first grade. Eduardo is only 3 years old and Raul is 1-1/2 years old. Her husband is called Daniel and he works at farming. She works selling… More from Las Animas Group's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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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