Piedad Santana (Montecristi) Group
This is a group of twelve women who decided to unite several years ago to form this communal bank, which has helped them a lot since with their loans they have been able to improve their small businesses and their quality of life. They are humble people and live off of the little that they earn with their business activities. They dedicate themselves to different activities such as businesses, services, and food sales, among other things.
One of the members of this group is Ms. Elena, who is 33 years old, separated, and from this relationship has two children who are 16 and 12 years old. The youngest lives with her and goes to school, while the oldest lives with their father.
Ms. Elena is a woman who likes to get ahead on the basis of her effort. She sells Yanbal products (beauty products, cosmetics, perfume and women's accessories). She sells door-to-door every day, more often than not in the mornings because this is the time in which her child is at school. She also has several customers who come to her house to buy her products on a credit basis and she collects every weekend. She has been selling these products for the past eight years, and it is going very well.
This loan will be used in the purchase of perfumes, lotions, cosmetics and jewellery. She has been with this communal bank from the beginning and she likes it because of the help that the loans have given her.
Her dream is to get ahead.
The small photo is of a member that was not able to be present when the group photo was taken.
Este es un grupo de 12 mujeres que decidieron unirse tiempo atrás y formar este Banco Comunal que les ayudado mucho ya que con los créditos han podido mejorar sus pequeños negocios y su calidad de vida ya que son gente muy humilde que vive de lo poco que ganan en sus actividades. Se dedican a diversas actividades tales como comercio, servicios, venta de comidas entre otras actividades.
Una de las socias de este grupo es la señora Elena, tiene 33 años de edad, está separada y de esta relación tiene dos hijos de 16 y 12 años, el menor vive con ella y estudia en colegio y el mayor vive con el papá.
Doña Elena es una mujer que le gusta salir adelante a base de su esfuerzo, ella se dedica a la venta de productos de Yanbal (productos de belleza, cosméticos, perfumería y accesorios para damas). Su forma de venta es puerta a puerta y trabaja todos los días más que todo por las mañanas ya que a esa hora su hijo está en el colegio, además tiene varios clientes que llegan hasta su casa a comprar sus productos, deja sus productos a crédito y cobra cada fin de semana. Tiene más de 8 años que se dedica a esta actividad y le va muy bien.
Este crédito es para comprar perfumes, cremas, cosméticos y bisutería. Ella está desde que se inicio el Banco Comunal y le gusta por la ayuda que le dan los créditos.
Su sueño es salir adelante.
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