Nueva Juventud (Cuenca) Group
One of the members of this group is Delia, who is 50 years old and married with 6 children who are all adults. Three children are married and live independently, two of them work and help out financially, and another is studying in a remote school and also works. Her husband is a businessman. She does not have her own house but lives in a house owned by her son.
Delia worked for a year as a fashion assistant, she learned this task through working. She also sells clothing throughout the city and on the days of fairs. She has been in this business for 10 years. At home she raises and sells chickens, guinea pigs and rabbits.
This is the first loan she is requesting from the communal bank, to which she was invited by her daughter. She is going to invest the loan in buying clothes to stock her merchandise.
Delia's goal is to have a separate room to sell her wares.
Una de las socias de este grupo es la Señora. Delia, tiene 50 años, es casada y en su unión conyugal ha concebido 6 hijos quienes son todos mayores de edad, 3 de sus hijos son casados y viven independientes, dos trabajan y le ayudan económicamente, y otro está estudiando en un colegio a distancia y también trabaja. Su esposo es comerciante, no tiene casa propia por lo que vive en una casa que es propiedad de su hijo.
La Señora. Delia trabaja hace un año como ayudante de costura, aprendió esta labor trabajando, también vende ropa recorriendo la ciudad y en días de ferias, este negocio lo tiene hace 10 años, en su casa cría y vende gallinas, cuyes y conejos.
Este es el primer crédito que realiza en el banco comunal al cual fue invitada por su hija, su crédito lo va a invertir en la compra ropa para surtir su mercadería.
Su meta es tener un local propio para vender su mercadería.
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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