The Jamito community bank is starting its third loan cycle with Pro Mujer, as part of the Senkata regional office. The group has ten members and is run by a board of directors which has María as its president. The businesses that the members of the bank are engaged in are varied and include: selling pork rinds, household goods, coffee, food, groceries, fabric and sports shoes.
The loan that they are taking out will benefit these micro-businesswomen. Marïa is a member of this group and she says that she has belonged to Pro Mujer for six months, joining through an invitation from her friends who were existing members of the institution. She currently has a business selling clothing and general household products. She points out that she started this business on her own initiative.
María is taking out this loan to increase her working capital. She will buy clothing from wholesalers in the city of La Paz and then re-sell them from her own sales stall. This work allows her to make income with which to support her family. She is married and has two children.
When asked what she likes about Pro Mujer, María replied that she likes the health services and the training.
La A.C. “JAIMITO” iniciará el tercer ciclo en Pro Mujer, como parte del Centro Focal de Senkata, está compuesta por diez integrantes y está dirigida por una mesa directiva donde la señora María es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: venta de chicharrones, venta de enseres y ropa, venta de café, venta de comida, venta de abarrotes, venta de tela y tenis.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora María es integrante, ella indica que hace seis meses que integra Pro Mujer, ingresando por la invitación de sus amigas de grupo que son socias de la institución. En la actualidad ella tiene un negocio de venta de ropa y enseres en general; da a conocer que este negocio lo emprendió por iniciativa propia.
El crédito que ahora sacará es para el aumento de capital (compra de ropa) que adquirirá de las vendedoras 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 dos hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el crédito, el área de salud y las capacitaciones.
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.