Nueva Generación (Cuenca) Group
One of the members of this group is 54-year-old Enma. Enma is a widow and has four children from her marriage. Two of her children are married and live independently. She also has two single daughters. One of her daughters is studying at university and the other attends a high school in the city. Enma does not own her own home but lives in rental accommodation.
Enma takes care of her housework and, in order to cover her household expenses, she works as a saleswoman. She has been in her business for four years and works four days a week. She does not work fixed hours. Enma's business is selling clothing and natural products. She makes her sales as an street vendor. She also raises and sells animals, and farms. Some of her harvested crops are for her family's own consumption and some are sold on the market.
Enma has been a member of her community bank for three years. She will invest her new loan in buying natural products and clothing so that she can continue in her business. Her dream is to own her own home.
The small photo is of a member who was not able to be present when the group photo was taken.
Una de las socias de este grupo es la Señora. Enma, tiene 54 años, es viuda y en su unión conyugal ha concebido 4 hijos, dos de ellos son casados y viven independientes y sus dos hijas solteras una de ellas estudia en la universidad y otra esta en un colegio de la ciudad. No tiene casa propia por lo que vive arrendando.
La Señora Enma se dedica a los quehaceres de su hogar y para solventar los gastos de su hogar es comerciante, esta actividad la desempeña hace 4 años y labora 4 días de la semana sin horario fijo, ella se dedica a la venta de ropa y productos naturales y vende ambulantemente, también se dedica a la cría y venta de animales y a la agricultura, sus cosechas son para su consumo y para la venta.
Es socia del banco comunal hace 3 años, su nuevo crédito lo va a invertir comprando productos naturales y ropa para continuar con su negocio.
Su sueño es tener su casa propia.
La foto pequeña es de una socia que no pudo estar presente cuando se tomó la foto del grupo.
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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