The "Comadres" (Mothers) communal bank is requesting its second loan from Pro Mujer (Pro Woman), part of the Centro Focal de Panamerica. The group is made up of nine people and has a board of directors whose president is Victoria. The businesses that the group's members run are varied and include: weaving blankets, selling cleaning products, selling meat, selling CDs, selling coca leaf, construction work, convenience stores, and selling socks. The loan that they are requesting will benefit small entrepreneurs including Victoria. Victoria mentions that she has been part of Pro Mujer for 20 years and was originally invited by a friend from her village to join the group. Currently, she runs a butcher shop selling beef, a trade which she says she has been doing since she was a child when she used to help her parents do the same thing. After she married, she decided to start he own business. The loan that she will take out will be used to increase her products (buying cattle) which she will buy from fairs in the surrounding area and will sell from her own premises. This will allow her to generate income to cover the household expenses for her family, as she is married and has two children. When asked what she likes about Pro Mujer, she replies that she likes the training she receives which teaches her to better herself.
La A.C. “COMADRES” iniciará el segundo ciclo en Pro Mujer, como parte del Centro Focal de Panamericana, está compuesta por nueve integrantes y está dirigida por una mesa directiva donde la señora Victoria es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: tejido de mantas, venta de detergentes, venta de carne, venta de CD’s, venta de coca, servicio de construcción, tienda de abarrotes, venta de calcetines.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Victoria es integrante, ella indica que hace veinte años que integra Pro Mujer, ingresando por la invitación de una amiga de su pueblo que era socia de la institución. En la actualidad ella tiene un negocio de venta de carne de vaca; da a conocer que este negocio lo emprendió desde niña, cuando le ayudaba en el mismo a sus padres, posteriormente cuando se casó decide emprender su propio negocio.
El crédito que ahora sacará es para el aumento de su mercadería (compra de ganado) que adquirirá de las ferias aledañas, por mayor, y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es casada y tiene dos hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las capacitaciones porque le enseñan a superarse.
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.