Flor Blanca Group
The businesses run by the members of the communal bank are varied and include weaving blankets by hand, operating neighborhood stores, spinning llama yarn, and selling cheese. The loan that they receive will benefit the small micro-businesses of which Lidia is a member.
She indicates that she joined Pro Mujer one and a half years ago, after she was invited by a promoter of the institution who visited her house. Currently, she weaves and sells blankets. She learned the weaving technique from her aunt and later decided to begin her own business, which generates economic resources.
The loan that she requests will be used to increase her merchandise (buying wool) that she will buy from vendors in bulk. After she creates the blankets, she will sell them as her customers order them. This manner of working permits her to generate resources to support her family. She is in a common-law marriage and has two children.
When asked what she likes about Pro Mujer, she responded that she likes the loan and the savings.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Lidia es integrante, ella indica que hace un año y medio que integra Pro Mujer, ingresando por la invitación de una promotora de la institución que fue a visitarle a su casa. En la actualidad ella tiene un negocio de tejido y venta de mantas; da a conocer que la técnica de tejido la aprendió de su Tía, posteriormente decide emprender su propio negocio, con el cual genera recursos económicos.
El crédito que ahora sacará es para el aumento de su mercadería (compra de lana) que adquirirá de las vendedoras por mayor y posteriormente a la elaboración lo comercializará a pedido de la clienta. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella vive en unión libre y tiene dos hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el crédito y los ahorros.
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.
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