The loan they will take out will benefit the small micro-entrepreneurs, of which Señora Guillermina is one. She says that she became a member of Pro Mujer two years ago; she was invited by a promoter from the institution. Currently, Señora Guillermina has a business making vicuña wool blankets, which she learned as a child working together with her mother. She says that she started the business with very little capital, but that now the situation is improving.
The loan that Señora Guillermina is taking out is to increase her capital. She will purchase vicuña wool from the wholesalers and then make it into blankets fill her daily orders. This form of work allows her to generate the income she needs to financially support herself.
When asked what she likes about Pro Mujer, Señora Guillermina responds that she likes the savings.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Guillermina es una integrante, ella indica que hace dos años que integra Pro Mujer, ingresando por invitación de una promotora de la institución. En la actualidad ella tiene un negocio de producción de mantas de vicuña, mismo que aprendió de la colaboración que realizaba en su niñez a su madre, cuenta que este negocio lo emprendió con muy poco capital y en la actualidad mejoró esta situación.
El crédito que ahora sacará es para el aumento de capital (compra de lana de vicuña) que comprará de las comerciantes mayoristas y posteriormente a la elaboración lo comercializará a pedido todos los días. Esta forma de trabajo le permite generar recursos para apoyarse económicamente.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el ahorro.
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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