Alpaquitas Ii Group
The businesses carried out by the members of the communal bank are varied; among them are Internet services, school supplies, a neighborhood store, a sewing shop, milk sales, candy sales, CD sales, sewing children’s clothing, and sewing aprons.
The loan that they will take out will benefit small microbusinesses, one of which María Elena belongs to. She says that she joined Pro Mujer a year and a half ago at the invitation of her friend who is a partner in the organization.
Currently, she has a sewing shop; she has been doing this work since she was a girl. Since this was familiar work, when she had her children, she decided to open up her own space to work.
The loan that she will take out now is to increase her capital by purchasing shelving that she will get from stores in the city of El Alto. Then, she will install them in her workspace; after making her products, she will distribute them to retail merchants. This type of work allows her to generate income to maintain her home as much as possible, as she is single and has three children.
When asked what she likes about Pro Mujer, she responds that she enjoys the educational training area for credit and health.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora María Elena es integrante, ella indica que hace año y medio años que integra Pro Mujer, ingresando por invitación su amiga que es socia de la institución. En la actualidad ella tiene un negocio de taller de costura; este negocio lo emprendió desde niña, ya que fue un negocio familiar y cuando tuvo a sus hijos decide implementar su propio espacio de trabajo.
El crédito que ahora sacará es para el aumento de capital (compra de estantes) que adquirirá de lo tiendas de la ciudad de El Alto y posteriormente lo implementará en su espacio de trabajo y después de realizar el producto lo distribuirá a los comerciantes minoristas. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es soltera y tiene tres hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el área de capacitación en crédito y salud.
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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