Negociantes is a group that has gone through five loan cycles. It is composed of six women who are very hard working and want to help their families get ahead. They named the group, Negociantes (Businesswomen) because they have a variety of different businesses.
Noemi is a responsible person. She is married and has two married children, who are 30 and 26 years of age. She is a merchant and has been selling pastries for approximately 20 years. She notes that she greatly enjoys making cakes, cookies, etc. She makes all of them at her house. She will invest this loan in ingredients to fill some orders that she has pending. She tells us that she wants to partner with another member of the group in order to build a special room in one of their houses so that she can fill larger orders.
Noemi volunteers at a church in the town and when there are fairs and markets she also puts her merchandise on sale there.
Negociantes es un grupo que tiene 5 ciclos con su crédito, esta integrado por 6 mujeres muy trabajadoras que desean sacar adelante a sus familias. Le pusieron al grupo Negociantes porque todas tenían negocios diferentes. Noemí es una persona responsable, esta casada y tiene 2 hijos casados de 30 y 26 años; ella es comerciante, se dedica a la venta de repostería desde hace aproximadamente 20 años, menciona que le gusta mucho realizar pasteles, galletas, etc., todo lo realiza en su casa y con este crédito invertirá en artículos para realizar unos pedidos que tiene pendientes. Nos menciona que se quiere asociar con otra integrante del grupo, para así construir en una misma casa un cuarto especial para su negocio y levantar pedidos mas grandes. Noemí es voluntaria en la iglesia de la colonia y cuando hay kermes o ferias también pone su mercancía a la venta en los mismos.
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.