18 De Diciembre Group
The loan they’ll take out will benefit small micro businesswomen like María Isabel. She indicates that she’s been a member of Pro Mujer for a year and a half having joined thanks to an invitation from a girlfriend of hers who is a member of the institution. She currently has a business selling food that she started several years ago when she noted that this was a profitable business for other ladies.
The loan she’ll take out now is to increase capital. She will buy tables and chairs in street markets in El Alto and then sell in her sales space. This way of working allows her to earn resources as best possible for her home since she’s in a common law relationship and has two children. When asked what she likes about Pro Mujer she answers that she likes the credit and the savings.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora María Isabel es integrante, ella indica que un año y medio que integra Pro Mujer, ingresando por invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de venta comida; mismo que decide emprender hace varios años al observar que este negocio era rentable para otras señoras.
El crédito que ahora sacará es para el aumento de capital (compra de mesas y sillas) que adquirirá de las ferias de la ciudad de El Alto y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella vive en concubinato y tiene dos hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el crédito y el ahorro.
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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