Senkata 2012 Group
The business that the members of the communal bank are in are varied and among them are: wholesale sales of sports items, catalog sales, neighborhood store, food sales, clothing sales, and bookstore.
The loan they are requesting will benefit the small microenterprises where Erica is a member. She says that she has been a member of Pro Mujer for 17 years, joining through the invitation from a friend who is a member of the institution. Today she has a bookstore; she discloses that she launched this business with the savings she had in her Pro Mujer nest.
The loan that she is asking for is to increase her capital (to buy notebooks, geometry sets, pens, etc.) buying from the wholesalers in the city of La Paz and later selling them in her sales outlet. This way of working allows her to generate resources to maintain her household as much as possible as she lives in a partnership and she has a daughter.
When asked what she likes about Pro Mujer, she says that she likes the training in health and credit.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Erica es integrante, ella indica que hace diez y siete años que integra Pro Mujer, ingresando por la invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de librería; da a conocer que este negocio lo emprendió con los ahorros que había te nido en Pro Mujer.
El crédito que ahora sacará es para el aumento de capital (compra de cuadernos, estuches geométricos, bolígrafos, etc.) que adquirirá de las vendedoras mayoristas de la ciudad de La Paz 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 una hija.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta le gusta las capacitaciones en salud y crédito.
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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