Family (Cuenca) Group
Its people are kind, gentle and warm-hearted. They are hospitable people, like our members, and they still maintain the culture and traditions of their villages. They work in different business activities, which allows them to improve their financial situations. Their greatest virtue is that they never give up when facing life’s adversities.
Yoni is one of the members of this group. She is 32 years old and married. They have two children, ages 12 and 7. Her first child goes to middle school, and her daughter attends a city elementary school. Her husband has private employment. They do not have their own house, so they rent where they live.
Yoni has been selling clothes by catalog for nine months. She conducts this business activity by going from place to place. She also sells to her friends and acquaintances. She sells her merchandise when the opportunity arises; therefore she does not have a schedule or days that she works. She has also been working for one month cleaning a house, where she works three hours a day.
This is her first loan with her communal bank, which she was invited to join by a friend. She will use the loan to buy clothes.
Her dream is to have her own house.
Una de las socias de este grupo es la Señora. Yoni, tiene 32 años, es casada y fruto de su unión conyugal ha concebido 2 hijos de 12 y 7 años de edad, su primer hijo estudia en el colegio y su segunda hija está en una escuelita de la ciudad. Su esposo labora como empleado privado, no tienen casa propia por lo que vive arrendando.
Doña Yoni desde hace 9 meses se dedica a la vende de ropa por catálogos, esta actividad la realiza recorriendo o también las vende a sus amigas y conocidas, vende su mercadería cuando se le presenta la oportunidad por lo que no tiene horario ni días de trabajo, también hace 1 mes labora en el arreglo de una casa en la cual labora 3 horas al día.
Este es el primer crédito que realiza en el banco comunal al cual fue invitada por una amiga. Su crédito lo va a invertir en la compra de ropa.
Su sueño es tener una casa propia.
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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