Carmen is 35 years old and was not fortunate enough to go to school. She raises her five children on her own. One of them is a student. She raises animals for a living, having started out with chickens and hens ten years ago. Her husband is a mason and helps her financially. Carmen put together a group to ask for a loan that she will use to buy pigs and a cow. She wants her barn to have more animals and grow in order to increase her sales. The other members of the group also raise animals. One of the women in the photo was originally in the group but she did not qualify for the loan.
La señora Carmen es madre soltera, tiene 35 años de edad, no tuvo la oportunidad de estudiar, tiene 5 hijos 1 de los cuales esta estudiando, se dedica a la crianza de animales, trabajo que inicio criando pollos de engorde y ponedoras, actualmente lleva 10 años de experiencia, cuenta con el apoyo de su esposo quien se dedica a la albañilería.
Organiza un grupo y solicita un préstamo que le servirá para la compra de cerdos y una vaca, quiere que su granja sea mas grande y con varios animales, espera extender su granja y mejorar sus ventas. Las demás integrantes se dedican a la crianza de animales. Una de las señoras de la fotos no califico para el préstamo.
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.