Baños (Cuenca) Group
One of the members of this group is Enma and she is taking out her first loan with the Baños communal bank. She is 32, married and has two children aged 12 and 4. Her oldest daughter is in high school. Her husband works as an employee in a private business. The house they live in is rented.
Enma is from the Santa Rosa canton in the Oro province. She came to Cuenca 8 years ago to improve her quality of life. Right now she does houework and cares for her children but with this loan she is going to start a clothes selling business.
She will invest the loan in buying cclothes to start the business.
Her goal is to own her own home in the city.
Una de las socias de este grupo es la Señora. Enma y se encuentra realizando el primer crédito en el banco comunal Baños. Tiene 32 años de edad, está casada y en su unión conyugal ha concebido 2 hijos de 12 y 4 años de edad, su primera hija estudia en el colegio. Su esposo labora como empleado privado, la casa en la que viven es arrendada.
Doña Enma es oriunda del cantón Santa Rosa provincia del Oro, ha llegado a la ciudad de Cuenca hace 8 años para mejorar su calidad de vida, por el momento se dedica a los quehaceres de su hogar y al cuidado de sus hijos pero con este crédito va a iniciar el negocio de venta de ropa.
Su crédito lo va a invertir en la compra ropa de todo tipo para iniciar en este negocio.
Su meta es de llegar a tener su casa propia en la ciudad.
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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