Mira (Cuenca) Group
Clara is one of the members of this group. She and her friends and fellow members of the Mira communal bank are on their third loan. She likes this type of lending because the loans are short-term and help their small businesses grow.
Clara is 28 years old and is a single mother. Her two children are ages nine and five, and go to a small local school. She doesn't own a home, which is why she lives in her parents' house and shares household expenses with them.
Clara takes care of her children and works hard daily in the fields. She raises Guinea pigs, chickens, pigs, and cattle, and sells their milk. She also farms, so whatever she harvests is consumed at home and when there is a surplus she sells it.
She is going to invest this new loan in purchasing fertilizer in order to improve her pastures, and also in buying feed for her animals. Her goal is to have more and better quality cattle.
Una de las socias de este grupo es la Señora Clara, se encuentra realizando su tercer crédito a lado de sus amigas y compañeras del banco comunal Mira, le gusta esta forma de créditos ya que son a corto plazo y les ayuda a crecer en sus pequeñas actividades económicas.
La señora Clara tiene 28 años de edad, es madre soltera de 2 hijos de 9 y 5 años que estudian en una escuelita de la localidad, no tiene casa propia por lo que vive en casa de sus padres con quienes comparten los gastos de la casa.
Doña Clara cuida de sus hijos y trabaja a diario en la dura tarea del campo, cría cuyes, gallinas, cerdos y ganado del que vende su leche, también se dedica a la agricultura y lo que cosecha es para el consumo de su casa y si existe un sobrante lo vende.
Su nuevo crédito lo va a invertir en la compra de abono para el mejoramiento de sus potreros y también para la compra de alimento para sus animales.
Su meta es tener más ganado de mejor calidad.
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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