Sulaina is a single mother of four children. She is divorced from her husband who had another wife. Her four children are all in school. In addition, she looks after her nephew who is an orphan.
Sulaina is mainly an agriculturalist who grows crops and raises goats and chicken. She supplements the farming with income from a small retail shop with capital of UGX 50,000. She resorted to farming in 2000 after separating from her husband so that she could fend for her children and take them to school. She does all this single handedly.
She will use the loan to buy goats to sell, to buy more stock for the retail business and use some of the money to pay school fees. Her main customers are neighbors and passersby. The main challenge is theft around the village. Sometimes thieves steal her goats after she has invested her money in them, especially the loan money, and this affects her cash flow. Sometimes she or her children fall sick and on those days she is unable to work on her land. Despite all the challenges, Sulaina is very hard working and determined to change her future and that of her children by giving them a good education.
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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