The loan that they are taking will benefit this group of small businesswomen, including Liduvina. She says that she joined Pro Mujer 2 years ago at the invitation of a friend who is a member of the institution. Now she has a business selling auto parts. She discloses that she learned this business under the guidance of her godmother, who taught her the spare parts business.
The loan that she is taking now will be used to increase her working capital; she will buy bearings, bolts and wheels from the wholesale businesses in the city of La Paz to later sell from her sales post. In this way, she can generate resources to support her family. She is married and has 4 children.
When asked what she likes about Pro Mujer, she answered that she enjoys spending time with the other members, and getting a loan with little collateral.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Liduvina es integrante, ella indica que dos 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 repuestos de autos; da a conocer que este negocio lo emprendió por la guía de su madrina, que le enseñó la venta de repuestos.
El crédito que ahora sacará es para el aumento de capital (compra de rodamientos, pernos, llantas) que adquirirá de las tiendas mayoristas de la ciudad de La Paz y posteriormente lo comercializará en su puesto fijo. Esta forma de trabajo le permite generar recursos para mantener a su familia ya que ella es casada y tiene cuatro hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el compartir con las socias, el préstamo con pocas garantías.
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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