La Cantera (Portoviejo) Group
One of the women in this group is Floricenda, who is 45 years old. She is married with 3 children, 2 of whom are adults and one is 17 years old. Two of them still live with their parents and are studying at college and university. Her husband is employed by a private firm.
Floricenda likes to make her own way in life and as a result of her work she is able to cover the costs of her children's studies. She sells products from Yanbal and Esika (perfumes, creams, make-up and accessories for men and women). She sells door-to-door and also sells from home to people she knows. She supplies her products on credit and collects payments every week. She has been doing this for more than 2 years and it has gone well.
This loan is to buy perfumes, creams, accessories and cosmetics. She has been in the communal bank since the beginning and likes it because of the support the bank has given them.
Her dream is for her children to become professionals.
The small photo is of one of the members who could not be present when the group photo was taken.
Una de las socias de este grupo es la señora Floricenda, tiene 45 años de edad, está casada y fruto de esta relación tiene tres hijos, dos mayores de edad y uno de 17 años, dos de ellos aun viven con ellos y estudian en universidad y colegio. Su esposo es empleado privado.
Doña Floricenda es una mujer que le gusta valerse por sus propios medios y con el fruto de su trabajo poder solventar los gastos que generan sus estudios de sus hijos, ella se dedica a la venta de productos de Yanbal y Esika (perfumes, cremas, maquillajes y accesorios de damas y caballeros), su forma de venta es puerta a puerta y también vende en su casa a sus conocidos, ella deja sus productos a crédito y cobra cada ocho días, lleva más de dos años con este negocio y le ha ido muy bien.
Este crédito es para comprar perfumes, cremas, accesorios y cosméticos. Esta desde el inicio en el Banco Comunal y le gusta por la ayuda que les ha dado el Banco.
Su sueño es que sus hijos sean profesionales.
La foto pequeña es de una socia que no pudo estar presente cuando se tomo la foto del grupo.
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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Success!! The loan was 100% repaid