Primero De Enero (Cuenca) Group
One of the members is María Nube who lives in the Castilla Cruz area which belongs to the Valle parish. This is her first loan with the "Primero de Enero" communal bank which she was invited to join by a friend. María Nube is 43 years old and married with 2 children. The daughter is married and lives independently and her son is single and he works and supports them financially.
Her husband works in a private company. The house that they live in is the fruit of their work together. María has been selling clothes door to door to her friends and acquaintances for 2 years. She works from Mondays to Fridays with no fixed hours. She will invest the new loan in buying clothes to continue building the business. Her aim is to finish her house as there are still a few things that it needs.
Una de las socias de este grupo es la Señora. María Nube, vive por el sector de Castilla Cruz perteneciente a la parroquia del Valle, este es su primer crédito en el banco comunal Primero de Enero al cual fue invitada por sus amigas del sector.
La Señora María Nube tiene 43 años, es casada y en su unión conyugal ha concebido 2 hijos, una hija es casada y vive independiente y su hijo soltero trabaja y le ayuda económicamente. Su esposo trabaja como empleado privado, la casa en la que viven es el fruto del trabajo conyugal.
Doña María se dedica venta ambulante de ropa, esta actividad la realiza puerta a puerta, vende a sus amigas y conocidas, esta actividad la desempeña hace 2 años, trabaja de lunes a viernes sin un horario fijo.
Su nuevo crédito lo va a invertir en la compra de ropa para seguir creciendo en su negocio.
Su meta es terminar su casa ya que aun le hacen falta algunos acabados.
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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