Deborah, a 35-year-old single mother of three children aged 3, 7 and 15, all in school, rents a shop in Kampala where she sells traditional wear for women known locally as "gomesi." She started this business after her husband abandoned her; as a mother, Deborah refused to sacrifice her children’s future, one that would be grim without education and all their basic needs being met. She therefore saved some money from the sale of charcoal, which enabled her to start a business selling traditional clothing in town, and this has enabled her to meet the growing needs of her family.
Deborah has dreams of expanding her business and educating her children up to higher levels of learning so that they have a bright future. With no support from the children's father, however, this is difficult. Limited capital has led to slow business growth, and she hopes the loan will help her boost the enterprise through the purchase of new stock which will attract more customers.
When approached, Deborah’s neighbors and workmates described her as a courageous, hardworking and co-operative lady.
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.