Maria is married and is 27 years old. She did not have the opportunity to go to school. She has two children, one of whom is in school. She works selling spices for food. She started this business with the help of her mother and today she has seven years of experience. She has the support of her husband, who works in trade. She decided to organize a group to be able to apply for a loan, which she will use to increase her working capital and supply her sales. She hopes in the future to have a place in the market where she can distribute her wares. The rest of the group members work in weaving and trade. Twelve women appear in the photograph, but only eleven of them are receiving the loan.
La señora Maria es de estado civil casada tiene 27 años de edad, no tuvo la oportunidad de ir a la escuela, tiene 2 hijos y de ellos 1 está estudiando, ella se dedica a vender especias para comidas, inició este negocio por la ayuda de su madre y hasta el momento lleva 7 años de experiencia, cuenta con el apóyo de su esposo quien se dedica al comercio.
Decide organizar un grupo para poder solicitar un préstamo que lo utilizará para ampliar su capital de trabajo y surtir sus ventas, espera en el futuro tener un local en el mercado donde pueda distribuir su venta. Las demás integrantes del grupo se dedican a tejeduría y al comercio. En la fotografia aparecen 12 señoras, pero, de ellas solo a 11 se les concedió el préstamo.
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.