The loan they’ll take out will benefit small micro-business women like Balvina. She indicates that she’s been part of Pro Mujer for twelve years having joined thanks to an invitation from a girlfriend who’s a member of the institution. She currently has a business selling turnovers (mid-morning meal). She makes it known that she learned the business several years ago on her own initiative.
The loan she’ll take out now is to increase capital. She’ll buy turnovers from wholesalers in the city of La Paz and then resell them from place to place. This way of working makes it possible for her to earn resources needed to support her family since she’s in a common law relationship and has three children. When asked what she likes about Pro Mujer, she answers that she likes the work group.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Balvina es integrante, ella indica que hace doce años que integra Pro Mujer, ingresando por la invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de venta de salteñas (comida de media mañana); da a conocer que este negocio lo aprendió hace varios años por iniciativa propia.
El crédito que ahora sacará es para el aumento de capital (compra de salteñas) que adquirirá de las vendedoras mayoristas de la ciudad de La Paz y posteriormente lo comercializará de forma ambulante. Esta forma de trabajo le permite generar recursos para mantener a su familia ya que ella vive en concubinato y tiene tres hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el grupo de trabajo.
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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