José (in the blue t-shirt in the photo) is the leader of the "Agricultures de Tzucubal" group. He is 50 years old and has six children: two boys and four girls. They live in the Tzucubal village in the municipality of Nahualá, in the Sololá department. José is a farmer and works growing corn, coffee and peas on his plot of land in the village. He does this work because it earns him enough money to support his family. He has been doing this work for over 35 years.
José is applying for a loan in order to buy fertiliser for his corn crops.
His dream is to improve his house so that he can give his children better living conditions.
José (playera celeste en la foto) es el líder del Grupo Agricultores de Tzucubal(Buscador en lengua nativa del lugar) es un señor de 50 años de edad quien tiene 6 hijos, de los cuales 2 son hombres y 4 mujeres, ellos viven en la Aldea Tzucubal, municipio de Nahualá, departamento de Sololá.
El es agricultor, las actividades agrícolas que realiza son: cultivo de maíz, arveja y café, todo esto lo realiza en su parcela ubicada en la aldea donde vive, realiza estas actividades porque a través de ellos genera ingresos suficientes para el sostenimiento de su familia, tiene 35 años de estarlos realizando.
El está solicitando un préstamo para la compra de fertilizante para el cultivo de su maíz.
Sueña con mejorar su casa de habitación para darle a sus hijos mejores condiciones de vida.
ADICLA (Association for the Holistic Development of the Basin of Lake Atitlán) is nonprofit rural community development association that provides small loans and services to improve quality of life in two of the poorest regions of Guatemala, home to large indigenous populations. Kiva funding will be used to support three innovative credit initiatives: youth business loans, green loans, and smaller loans to help ADICLA move down-market and serve poorer clients.
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.