34-year-old Aisha N. is the leader and secretary of Luganda Kulya women’s group. She is a tailor and has a shop selling clothes made by her as well as those bought from Kampala, the capital city of Uganda. She has had the business for 9 years and now she has opened up a learning section where she has six girls as students whom she is teaching the same trade. All the girls are school drop-outs due to lack of school fees, and she has divided them into two sections; a day class of three students and an evening class of three students. This she does because of the lack of enough sewing machines to cater for all of them. Right now she is faced with a challenge that four more girls very badly want to join, and she hopes to at least buy two extra machines once given a loan.
Her dream, if she could get enough money, would be to buy as many machines as she wants because in Kasangati, her village, many children, especially girls, are dropping out of school due to poverty. Hence, some fathers favor boys over girls for education and most girls end up in early marriages. If one gets a chance, she learns tailoring, and this has saved so many from the deadly disease, AIDS.
The biggest challenge Aisha is facing is all her students left school because of lack of school fees, yet they have to pay some small amount to study at her place. Getting this small amount of money out of them is a problem, and the only thing she can do is be patient with them to the extent that even one had to pay her after completing the course and starting to work for herself. It is determination and hard work that are driving Aisha. She is married with 3 children aged 12, 9, and 5. She needs a loan to buy another two sewing machines.
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.