Ana, 52, is married and has seven children, none of whom attend school. She didn't attend even one year of school. She earns a living in agriculture, especially growing tomatoes. She started this business when she married her husband and wanted to help him financially. At present she has 32 years of experience in this business.
She's organizing a group and requesting a loan to buy manure and fertilizer for her tomato crop. In the near future she wants to have a better crop of tomatoes and distribute them wholesale.
The other members of the group make a living raising domestic animals and farming.
La señora Ana es unida de hecho, tiene 52 años de edad, no curso ni un año la escuela, tiene 7 hijos y ni uno de ellos estudia, ella se dedica a la agricultura, especialmente al cultivo de tomate, inició este negocio cuando se unió a su esposo y quiso ayudarlo economicamente; hasta la fecha lleva 32 años de experienci en duicho neogocio.
Organiza un grupo y solicita un préstamos que le servirá para la compra de abono o fertilizante para la producción de tomate. Ella en el futuro proximo quiere tener mejor producción de tomate y distribuirlos por mayor; las demás integrantes del grupo se dedican a crianza de animales domésticos y a la agricultura.
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.