Banco Mujer Siquirritos Group
This is the third loan she has asked for and the previous loans have helped her invest in capital and strengthen her business.
It's important to highlight that Annia is a teacher with a Bachelor's degree for teaching both primary and secondary school. However, she has not been successful in finding steady work in the national education system. Therefore, she has realized that by managing her business well and with a lot of work, she can earn a good income.
Her goals are to practice her profession and to have steady and stable work, but also to have a store that offers all of the products she currently sells. By doing this, she can improve her family's quality of life and continue supporting her husband with the household expenses.
Besides Annia there are 7 other women that are also dedicated to commercial activities and services in this group.
Este es el tercer crédito que solicita, y los anteriores han sido de gran ayuda para invertir en capital de trabajo y consolidar su negocio.
Es importante resaltar que Annia es maestra, tiene un bachiller universitario, y es graduada en enseñanza de I y II segundo ciclo, sin embargo no ha logrado conseguir trabajo fijo en el sistema de educación nacional, y además de da cuenta que con su negocio bien administrado y con mucho esfuerzo le puede generar un buen ingreso.
Sus metas es ejercer su profesión y tener un trabajo fijo y estable, pero también llegar a tener una tienda donde ofrezca todos los productos que actualmente vende. Con ellos darle una mejor calidad de vida a su familia y seguir apoyando a su esposo en la parte económica.
Junto a Annia hay 7 señoras más que se dedican a actividades comerciales y de servicios.
More information about this loan
In Costa Rica, funding for microfinance institutions is hard to come by, and many institutions find themselves having difficulty growing and reaching all the demand for loans that exist. Kiva works with Fundacion Mujer because it attends a very marginalized population in Costa Rica, with a specific focus on women. In addition to the loan, Fundacion Mujer provides specialized training programs for their borrowers on everything from computer classes to salon training. Because of the difficulty in obtaining capital in Costa Rica, Fundacion Mujer cannot serve all the women that need loans. Therefore Kiva plays a unique role in helping Fundacion Mujer grow its portfolio and reach borrowers it otherwise would not be able to.
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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