Esbia Demetria is married, 48 years old, and has 4 children. She completed the 3 years of primary school. She prepares and sells food and drinks. She has 10 years of experience in this business, and has the support of her husband, who is also a tradesman. Esbia puts together a group to ask for a loan to buy ingredients for preparing food: spices, meat, rice, pasta, etc. In the future, she hopes to have an acceptable business that turns a profit. The other members of the group deal in agriculture, animal husbandry or the sale of basic groceries.
La señora Esbia Demetria esta casada, tiene 48 años de edad, cursó los 3 años de educación primaria, tiene 4 hijos, se dedica a la preparación y venta de comida y bebidas, lleva 10 años de experiencia, cuenta con el apoyo de su su esposo quien también se dedica al comercio.
Organiza un grupo para solicitar un préstamo que lo utilizara para la compra de insumos para preparar comida, especias, carnes, arroz, fideos, etc. Espera en el futuro tener un negocio aceptable y con ganancias. Los demás integrantes se dedica a la produccion agrícola, crianza de animales, y a la atención a tienda de consumo diario.
About Asociación ASDIR
ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.
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.