José Gregorio Hernandez (Junín) Group
This is a group of 13 women and 2 men who, some time ago, decided to join together to form this communal bank. It has been very useful to them, because with the loans they have been able to improve their small businesses. They are involved in a variety of businesses such as trade, services and the sale of foodstuffs, amongst other things.
One of the members of this group is Fernanda. She is 29 years old, married, and has two children from this relationship, aged 8 and 6 years, who go to school. Her husband is in trade. Fernanda is an independent women with a fighting spirit, who likes to help her husband in paying the household expenses. She sells shoes and clothes from a catalogue. Her sales method is door to door, but she also sells from home and even at her customers' homes when new stock has arrived. She takes advantage of the time when her children are at school to do her rounds. She sells on credit and collects every eight days. She goes to Guayaquil to buy merchandise as and when she needs to. She has been involved in this business for 6 years, and it is going very well for her.
She is going to use this loan to buy more merchandise such as trousers, blouses, t-shirts and shoes. She has been involved in the communal bank since the outset, and she likes it because of the help that the loans bring. Her dream is to give her children the very best.
Este es un grupo de 13 mujeres y 2 hombres que hace tiempo atrás decidieron unirse y formar este Banco Comunal que les sirve de mucho ya que con los créditos, ellos han podido mejorar sus pequeños negocios. Se dedican a diversas actividades tales como comercio, servicios, venta de comidas entre otras actividades.
Una de las socias de este grupo es la señora Fernanda, tiene 29 años de edad, está casada y de esta relación tienen dos hijos de 8 y 6 años que estudian en escuela. Su esposo se dedica al comercio.
Doña Fernanda es una mujer muy luchadora que le gusta valerse por sí misma y ayudar a su esposo a solventar con gastos que genera el hogar, ella se dedica a la venta de zapatos y ropa por catalogo, su forma de venta es puerta a puerta y también vende en su casa hasta donde sus clientes cuando tiene mercadería nueva, ella aprovecha cuando sus hijos están en la escuela para realizar sus recorridos, deja a crédito y cobra cada ocho días, su mercadería la va a comprar a Guayaquil cada vez que necesita. Lleva 6 años en esta actividad y le va muy bien.
Este crédito lo va emplear en comprar más mercadería como: pantalones, blusas, camisetas y zapatos. Esta desde el inicio en el Banco Comunal y le gusta por la ayuda que le brindan los créditos.
Su sueño es darles lo mejor a sus hijos.
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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Success!! The loan was 100% repaid