Santa Maria Group
The businesses that the members of the communal bank carry on are varied, and include selling underwear, miscellaneous goods, salchipapas (fried potatoes with hot dog), and footwear. The loan they will take out benefits small-business people such as Ruth. She says that she has been a member of Pro Mujer for 11 years, joining at the invitation of her sister, who is a member of the institution.
Currently she has a business selling shoes. She says that she launched this business several years ago, learning this way of selling from her mother. The loan she will take out now is to increase her capital, through the purchase of shoes. She will acquire these at the markets in the city of Oruro, and later sell them at her sales outlet. This form of work allows her to generate resources to support her household as much as she can, as she is in a common-law relationship and has one child.
When asked what she likes about Pro Mujer, she answers that she likes the training, the health clinic, the loans and the savings program. In the photograph, one member is absent as she went to a medical appointment.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Ruth es integrante, ella indica que hace once años que integra Pro Mujer, ingresando por la invitación de su hermana que es socia de la institución. En la actualidad ella tiene un negocio de venta de calzados; da a conocer que este negocio lo emprendió hace varios años atrás, aprendiendo la forma de venta de su madre.
El crédito que ahora sacará es para el aumento de capital (compra de calzados) que adquirirá de las ferias de la Ciudad de Oruro y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su hogar pues ella vive en unión libre y tiene un hijo.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las capacitaciones, el área de salud, los créditos y los ahorros.
En la fotografía una socia esta ausente, ya que se fue a consulta médica
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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