The loan they are requesting will help the small business owners, including Herminia who has been a member of Pro Mujer for three years. She joined by invitation from a consultant from the institution who visited her at home. Her current business is selling clothing and she started it with merchandise she bought with loans through Pro Mujer.
The loan she is requesting now is to buy clothing at wholesale markets so she can sell it at her stall. This means of income allows her to generate resources to maintain her household. She is married and has nine children.
When asked what she likes most about Pro Mujer, she says it is the credit, training and health area.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Herminia es integrante, ella indica que hace tres años que integra Pro Mujer, ingresando por la invitación de una asesora de la institución que la visito en su casa. En la actualidad ella tiene un negocio de venta de ropa; da a conocer que este negocio lo emprendió con una mercadería que pudo comprar con los préstamos sacados en Pro Mujer.
El crédito que ahora sacará es para el aumento de capital (compra ropa) que adquirirá de las ferias, por mayor, y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es casada y tiene nueve hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el crédito, las capacitaciones y el área de salud.
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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