Deicy Migdalia is 21 years old, in a civil union, and has two children, one of whom is in school. She went to six years of primary school. She works growing coffee. She started this business by saving a little capital with her husband for her crop and has eight years of experience.
She decided to organize a group and request a loan that she will use to purchase supplies to build a coffee seedbed. In the future, she wants to have more land to be able to plant with coffee.
The other group members work in agriculture and making traditional cuts and blouses.
La señora Deicy Migdalia de estado civil unida de hecho, tiene 21 años de edad, cursó 6 años de educaión primaria, tiene 2 hijos y 1 de ellos esta estudiando, ella se dedica a la agricultura siembra de café, inició este negocio ahorrando un pequeño capital con su esposo para su cultivo, y hasta la fecha lleva 8 años de experiencia.
Decide organizar un grupo y solicita un préstamo que lo utilizará para la compra de insumos para poder construir un almágico de café, en el futuro quiere tener mas terreno para poder cultivarlo con café, las demás integrantes del grupo se dedican a actividades agrícolas y elaboracion de cortes y guipiles tipicos.
About Asociación ASDIR
ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.
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.