Roberto, 47, is married. He did not attend school because he's had to work since he was little. He has four children and two of them are attending school. He works growing coffee. He started the business because he was told that coffee generates attractive profits so he decided to buy a few little plants and to date has been in this successful experience for 8 years.
He organized a group to request a loan that will be used to buy fertilizer for his coffee crop. He wants to buy more land so that in future he can grow much more than he does now. The other group members work in agriculture growing corn, coffee, beans and fruit.
El señor Roberto es de estado civil casado, tiene 47 años de edad, no asisitio a la escuela ya que desde pequeño tuvo que trabajar, tiene 4 hijos y 2 de ellos estan estudiando, él se dedica a la seimbra de café, inició este negocio porque le comentaron que la siembra de café generaba atractiva ganancia y decidió comprar unas plantitas; hasta el momento lleva 8 años de dichosa experiencia.
Organiza un grupo y solicita un préstamo que le servirá para la compra de fertilizante para su plantación de café, ahora desea comprar más terreno para que en el futuro cultive mucho más de lo que cultiva ahora; los demás integrantes del grupo se dedican a agricultura sembrando maíz, café, frijol y frutas.
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.