Margarita is in a common law marriage. She is 24 years old and didn't have the opportunity of going to school. She has one child, who isn't in school yet. She works making huipiles (traditional woven and embroidered tunics). She started this business with her family's support and has four years of experience so far. Her partner also helps her. He makes crafts.
She is a group organizer and is requesting a loan. She will use it to purchase thread for making huipiles. In the future she wants to have more capital and offer variety in her textiles.
The other members in this group work makings crafts. It is worth mentioning that the group comprises thirteen members, but only eleven of them were present at the time the picture was taken.
La señora Margarita de estado civil unida de hecho, tiene 24 años de edad, no tuvo la oportunidad de ir a la escuela, tiene 1 hijo que aún no esta estudiando, ella se dedica a la elaboracion de guipiles, inició este negocio con el apoyo de su familia y hasta el momento lleva 4 años de experiencia. cuenta con el poyo de su pareja quien se dedica artesanía.
Organiza un grupo y solicita un préstamo que lo utilizará para la compra de hilos para elaboracion de guipiles, en el futuro desea tener un capital grande y ofrecer variedad de sus tejidos; las demás integrantes del grupo se dedican a artesanía. Cabe mencionar que el grupo lo conforman 13 integrantes, pero, al momento de tomar la foto solo estaban presentes 11 de ellas.
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.