Isabel is a 23 year old woman who is married in a civil union. She did not have the opportunity to go to school. She has three children, one of whom is in school. She runs a business selling everyday products which she began with a small store. She has five years of experience and relies on the support of her husband who makes a living selling goods.
The group organized to request a loan that will be used to buy merchandise for her store including eggs, oil, basic grains, toilet paper, refreshments, snacks and other goods. She hopes to have a larger and better stocked store in the future. The rest of the members of the group also make a living in sales.
La señora Isabel de estado civil unida de hecho, cuenta con 23 años de edad, no tuvo la oportunidad de estudiar, tiene 3 hijos y de ellos 1 esta estudiando, ella se dedica a una tienda de artículos de consumo diario, inició este negocio con una tienda pequeña y a la fecha lleva 5 años de experiencia, cuenta con el apoyo de su esposo quien se dedica al comercio.
Organiza un grupo para poder solicitar un préstamo que lo utilizará para la compra de mercadería para su tienda tales como: huevos, aceite, granos básicos, papel higiénicos, gaseosas, golosinas, entre otros, espera en el futuro tener una tienda más grande y bien surtida. Las demás integrantes del grupo se dedican al comercio.
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.