Carlos Alberto is married and 35-years-old. He completed three years of secondary school. He has four children who are all attending school. He works cultivating the land. He started this work when he left school and needed to work. To date he has 20 years’ experience. He organizes a group and requests a loan he’ll use to buy farm supplies like fertilizer, seeds, etc. In future, he wants to have good and abundant harvests.
The other group members work in agriculture, specifically growing coffee, corn, beans and tomatoes. It’s worth mentioning that one of the group members was unable to attend the meeting when the photo was taken which is why only 8 members appear in the photo.
El señor Carlos Alberto es de estado civil casado, cuenta con 35 años de edad, curso 3 años de educación secundaria, tiene 4 hijos y todos estan estudiando, él se dedica a cultivar la tierra, dio inicio a este trabajo cuando dejo de estudiar y tuvo la necesidad de trabajar, hasta la fecha lleva ya 20 años de experiencia.
organiza un grupo y solicita un préstamo que lo utilizará para la compra de insumos para agricultura, como: fertilizante, semillas, etc. En el futuro desea tener buenas y abundantes cosechas; los demás integrantes del grupo se dedican a agricultura, específicamete cultivan café, maíz, frijol y tomate. Cabe mencionar que 1 de los integrantes del grupo no pudo asistir en la reunión cuando tomaron la foto, es por eso que en la foto solo aparecen 8 integrantes.
About Asociación ASDIR
ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.
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.