Carlos Rene is 30 years old and single. He didn't have the opportunity to study. He works running a store. He started this business because he noticed that there was no store in his community and he had the chance to improve his income. He organized a group to be able to apply for a loan, which he will use to buy products to expand the store that he has. He will buy carbonated water, juice, sweets, and other things that sell well in his store. In the future, he hopes to have a large place on the side of the road, to have more customers. The other members work in trade. One of the men in the photo did not qualify for a loan.
el señor Carlos Rene esta soltero, tiene 30 años de edad, no tuvo la oportunidad de estudiar, se dedica a atender una tienda, inicio este negocio ya que no había tienda en su comunidad y la posibilidad de mejorar sus ingresos.
Organiza un grupo para poder solicitar un préstamo que lo utilizara para la compra de productos para ampliación de la tienda que tiene, va a comprar, aguas gaseosas, jugos, golosinas, y otras cosa que son muy vendibles en su tienda. En el futuro espera tener un local grande y en la orilla del camino para tener mas clientes. Los demás integrantes se dedican al comercio. Uno de los señores en la foto no califico para el préstamo.
About Asociación ASDIR
ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.
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.