Marisol is a young member of the Bellas Artes group. She is 28 and makes a living selling shoes by catalog and used clothing at traveling markets. She is married and has a young daughter, who is 3 1/2. She decided to start her business when her husband was diagnosed with cancer 6 months ago and has since been incapacitated. Marisol works from Thursdays to Tuesdays in the markets selling clothing and offers shoes all week long through catalogs. On Wednesdays, she cleans a house to make more income. She has to be in charge of all of their expenses to take good care of her family. She used the loan to buy a pack of clothing to sell at the market and to fill shoe orders. Marisol tells us that her fellow group members are very hard working and responsible.
Marisol es una joven integrante del grupo Bellas Artes, tiene 28 años, y se dedica a la venta de zapatos por catalogo y ropa usada en mercados rodantes. Es casada y tiene una pequeña hija de 3 años y medio. Ella decidió comenzar con su negocio ya que a su esposo le detectaron cáncer desde hace 6 meses y desde entonces se encuentra incapacitado; Marisol trabaja de jueves a martes en los mercados vendiendo ropa y toda la semana ofrece los zapatos por catalogo y el miércoles hace aseo en una casa para obtener mas ingresos, ya que se tiene que hacer cargo de todos los gastos para sacar a delante a su familia. El crédito lo utilizo para surtir una paca de ropa para venderla en el mercado y pedidos de zapatos para comenzar tandas entre sus clientes.
Marisol nos cuenta que sus compañeras son mujeres muy trabajadoras y responsables.
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.