The businesses that the members of the communal bank carry on are varied and include: neighborhood store, drivers, sewing and sale of aprons, sale of cosmetics, sale of vegetables, sale of pastries, weaving shawls, sale of beds, sale of footwear, and sale of cakes.
The loan they will take out is to benefit small business owners such as Lucila. She says that she joined Pro Mujer five loan cycles ago, at the invitation of her friends who are members of the institution.
Currently she has a neighborhood store business. She says that she launched this business through her own initiative. The loan she will take it now is to increase her working capital (purchase of rice, sugar, noodles, etc.) which she will acquire at the wholesale stores in the city of La Paz, and later sell at her permanent stand. This form of work allows her to generate income for supporting her family, as she is married and has two children.
When asked what she likes about Pro Mujer, she answers that she likes the credit, the health clinic, and the training workshops.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Lucila es integrante, ella indica que hace cinco ciclos 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 tienda de barrio; da a conocer que este negocio lo emprendió por iniciativa propia.
El crédito que ahora sacará es para el aumento de capital (compra de arroz, azúcar, fideo, etc.) 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 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.
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