Banco Mujer Mujeres En Acción Group
Update on Banco Mujer Mujeres En Acción GroupCommunal Bank Profile for Mujer Mujeres en Acción
Fray Casiano, Puntarenas
The communal bank Mujer Mujeres en Acción is made up of 6 members who have worked in previous years with the Fundación Mujer as well as other groups in the Puntarenas area, demonstrating organization, solidarity, teamwork, while maintaining savings and a consolidated group. The loan applicants have been working in the area for 5 years. The Banco Mujer Mujeres en Acción have a Board of Directors and they requested their 3rd loan for this group.
They have different activities and strengths permitting them to have an important base on which to guarantee this loan. The members are clear about how each one can generate income, they work as a team, jointly liable and saving together. Their work and efforts are validated through the support of institutions such as the Mixto de Ayuda Social and Fundación Mujer which has allowed them to have well-established activities, such as a grocery store, a bazaar, and Internet cafe, with equipment, a facility, and furniture for their businesses.
Flora has an Internet cafe. She will use this loan to invest in the purchase of new equipment, improving the service she offers the area. She is 50 years old, lives with her husband and a son who help her run the business on 3 workdays, obtaining better income and also to repair some equipment.
They are empowered women, fighters and hardworking. The teamwork has been strong along with the organization itself, a good strategy for staying on their feet these 5 years. They stand out for their solidarity and commitment to other people in their community as women that know how to provide a good service for Barrio Fray Casiano, a place which belongs to the province of Puntarenas. They have participated as leaders in the Barrio Fray Casiano de Puntarenas, a place with high levels of poverty and social problems such as drugs and crime. These women try to help other young people such as Giannina and Karol looking for work and struggling to earn money to maintain their homes and families.
Fray Casiano Puntarenas
Banco Mujer Mujeres en Acción está formado por 6 integrantes quienes han trabajado en años anteriores tanto con Fundación Mujer como en otros grupos de la zona de Puntarenas, demostrando organización, solidaridad, trabajo en grupo, además de mantener un ahorro y una organización consolidada.
Las solicitantes del préstamo grupal tienen 5 años de trabajar en la zona. Con el Banco Mujer Mujeres en Acción se mantiene la Junta Directiva y se levantó el acta de solicitud del tercer préstamo de este grupo.
Ellas presentan actividades diversas y consolidadas permitiendo tener una base importante para garantizar este préstamo. Las integrantes tienen claro cómo llevar la generación de ingresos de cada una, tienen los conceptos de trabajo en grupo, garantía solidaria y ahorro. Su trabajo y esfuerzo está validado con el apoyo de instituciones como el Instituto Mixto de Ayuda Social y Fundación Mujer, quien les ha permitido tener actividades consolidadas (pulpería, bazar y café Internet), contando con equipo, local y mobiliario para su microempresa.
Doña Flora tiene un café internet, esté crédito le va a permitir invertir en la compra de equipo nuevo, mejorando el servicio que brinda en la zona,, ella tiene 50 años vive con su esposo y un hijo quienes le ayudan a atender el negocio en 3 jornadas diarias, obteniendo un mejor ingreso , para también reparar algunos equipos.
Ellas son mujeres empoderadas, luchadoras y muy trabajadoras, el trabajo en grupo las ha hecho fuertes y la organización en sí, una buena estrategia para mantenerse en pie en estos 5 años. Su solidaridad y empeño para con los y las demás personas las destaca en su comunidad como mujeres que saben prestar un buen servicio al Barrio Fray Casiano, lugar al cual pertenecen en la provincia de Puntarenas.
Han participado como líderes en el Barrio Fray Casiano de Puntarenas un lugar con altos índices de pobreza y problemas sociales como drogas y delincuencia. Estas mujeres tratan de apoyar a otras más jóvenes como Giannina y Karol a buscar en el trabajo y esfuerzo, ganar el dinero para mantener sus hogares y a sus familias.
Previous Loan DetailsProfile: Banco Mujer Mujeres en Acción Fray Casiano Puntarenas July 2012 Communal bank Mujer Mujeres en Acción has 5 members who have previously worked with Fundación Mujer and other institutions in the Puntarenas area, showing strong administration skills, solidarity, and teamwork, while… More from Banco Mujer Mujeres En Acción Group's previous loan »
More information about this loan
In Costa Rica, funding for microfinance institutions is hard to come by, and many institutions find themselves having difficulty growing and reaching all the demand for loans that exist. Kiva works with Fundacion Mujer because it attends a very marginalized population in Costa Rica, with a specific focus on women. In addition to the loan, Fundacion Mujer provides specialized training programs for their borrowers on everything from computer classes to salon training. Because of the difficulty in obtaining capital in Costa Rica, Fundacion Mujer cannot serve all the women that need loans. Therefore Kiva plays a unique role in helping Fundacion Mujer grow its portfolio and reach borrowers it otherwise would not be able to.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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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