Juliana, 45, is married and never had an opportunity to go to school. She has eight children, two of whom are students. She grows potatoes, a business she started as an income source to support her family. She has 10 years of experience, and her husband, a merchant, helps her support the family.
She organized a group to apply for a loan to buy seed to plant potatoes and to buy sacks of manure to improve her harvest. She hopes to have more land and produce more in the future. The other members are merchants and farmers.
La señora Juliana es unida de hecho con su espeso, tienen 45 años de edad, no tuvo la oportunidad de estudiar, tiene 8 hijos de los cuales 2 estudian, se dedica a la siembra y producción de papas, inicio este negocio por la necesidad de contar con otro ingreso necesario para sostener a su familia, hasta ahora lleva 10 años experiencia, cuenta con el apoyo de su esposo quien se dedica al comercio.
Organiza un grupo para solicitar un préstamo que sera utilizado para la compra de semillas para la siembra de papa y la compra de costales de abono orgánico, esto con el fin de mejorar su cosecha, esperando en el futuro tener mas terreno y producir mas. Las demás integrantes se dedica al comercio y a la producción agrícola.
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.