Jocesito De Cumbe (Cuenca) Group
One of the group members is Lorgia. She is requesting her first loan in the communal bank Jocesito de Cumbe, which she was invited to by a a friend and neighbor. She hopes to be able to improve her work activities.
Lorgia is 27, the single mother of two children, ages 4 and 2, who live at home. She does not have her own home, which is why she lives in a family member's house with her parents, with whom she shares the home expenses.
Lorgia takes care of her children, who are still small, at home. Since she lives in the countryside, she makes a living raising guinea pigs, hens and cattle, whose milk she sells. She also does farm work, which is for household consumption, but if there are leftovers she sells them.
The money from her loan is to be invested in the purchase of feed for her animals and compost to improve her pastures. Her goal is to have a store in her home.
Una de las socias de este grupo es la Señora. Lorgia, está realizando su primer crédito en el banco comunal Jocesito de Cumbe al cual fue invitad por una vecina y amiga, espera que con los créditos pueda mejorar su actividad económica.
La Señora Lorgia tiene 27 años, es madre soltera de dos hijos de 4 y 2 años de edad quienes pasan en casa, no tiene casa propia por lo que vive en casa de un familiar con sus padres con quienes comparte los gastos del hogar.
La Señora. Lorgia pasa en casa al cuidado de sus hijos que aun están pequeños, como vive en el campo se dedica a la cría de cuyes, gallinas y ganado del cual vende la leche, también trabaja en la agricultura la que es para el consumo de su casa y si existe un sobrante lo vende.
El dinero de su crédito lo va a invertir en la compra de abono para mejorar sus potreros y alimento para sus animales.
Su meta es tener una tienda en su casa.
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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