Banco Mujer Fe En Cristo Group
She is a very hard working woman. In addition to having a micro business with her husband, she also works for the canton of Talamanca as an office worker. She took this job since the income generated from their banana crop was not sufficient to cover family expenses. Therefore, they decided she would work outside the home since it was easier for her to get a job thanks to having completed her high school education as well as some computer courses. Tatiana tends to her crop business when she returns from work, during holidays, or on weekends. When she is not there, her husband looks after the farm.
This is the third loan that she is requesting. This loan and the ones before it have been a great help because they allow her to invest in supplies to sow her crop.
There is one more member in addition to Tatiana who will also invest in agriculture.
Está señora es muy trabajadora, además de tener su microempresa junto a su marido, también trabaja en la Municipalidad de Talamanca, como oficinista, tomo este trabajo ya que los ingresos que generan los cultivos de plátano no eran suficientes para cubrir los gastos familiares, por ello decidieron que fuera ella quien trabajara fuera de la casa, ya que tenía más facilidad de conseguir empleo, gracias a que concluyo sus estudios de secundaria, además de tener algunos cursos de computación. Así que Tatiana cuando regresa del trabaja, días feriado ó fines de semana, es cuando atiende lo referente a sus cultivos, y cuando ella no está quien ve por la finca es su marido.
Este es el tercer crédito que solicita y tanto este como los anteriores han sido de mucha ayuda, ya que les permite invertir en insumos para la siembra de dicho cultivo.
Junto a Tatiana hay una socia más, que también va a invertir en agricultura
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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