The loan they are taking out will benefit their small businesses. Virginia is one member, who says that she joined Pro Mujer 15 cycles ago, on invitation by a friend who was a member of the institution. Today, she has a food service business (a "pensión"). She used to sell at a school but after she joined Pro Mujer -- with the loan she received and her savings -- she was able to start this business, which is larger and creates more income.
The loan Virginia is taking out now will increase her capital for buying provisions that she will obtain at markets in the city of El Alto, and then for making and selling food in her sales space. This type of work allows Virginia to generate the resources she needs to support her family. She is divorced and has four children.
When asked what she likes about Pro Mujer, Virginia responds that she likes the training workshops and the savings.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Virginia es integrante, ella indica que hace quince ciclos que integra Pro Mujer, ingresando por invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de servicio de comida (Pensión), da a conocer que anteriormente ella vendía en un establecimiento educativo, posteriormente ingresó a Pro Mujer y con el crédito y con sus ahorros pudo iniciar este negocio que es mas grade y le trae mayor ingresos.
El crédito que ahora sacará es para el aumento de capital (compra de víveres) que adquirirá de las ferias de la ciudad de El Alto y posteriormente a la elaboración lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su familia, pues ella es divorciada y tiene cuatro hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las capacitaciones y los ahorros.
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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