Josefina Bernabela is a widowed mother. She is 41 years old and has a second grade education. She has two children who attend school and she is an artist who embroiders typical blouses. She began as a worker with a neighbor and now has 10 years’ experience.
She joined a group so that she could request a loan that she will use to buy fabrics and thread to have more supplies on hand to produce blouses. She wants to leave this business to her daughter in the future. The rest of the group’s members also make embroidered blouses.
La señora Josefina Bernabela es madre viuda, tiene 41 años de edad, cursó los 2 años de educacion primaria, tiene 2 hijos los cuales están estudiando, se dedica a la artesanía, el bordado de blusas típica, inicio siendo trabajadora con una vecina y hasta el momento lleva 10 años de experiencia.
Organiza un grupo para poder solicitar un préstamo que sera utilizado pata la compra de telas, y tener mas materia para la producción de blusas, también va comprar hilos, espera en el futuro poder dejar este trabajo a su hija. Las demás integrantes se dedican a la artesanía, también al bordado de blusas.
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.