This loan will benefit small entrepreneurs such as Sra. Rufina. She says that she joined Pro Mujer a year and a half ago after receiving an invitation from a friend who is a member of the organization. Rufina currently has a business of selling flowers. She started this business years ago because she was already helping her mother with her business. When she received her first loan, Rufina became independent and established her own business.
The loan she is receiving now will be used to increase her capital for buying flowers, which she acquires from the wholesale vendors. She then sells her products from her retail space. Working in this manner enables her to generate income so that she can support her family. Rufina is married and has four children.
When asked what she likes about Pro Mujer, Rufina said that she enjoys working as part of a group.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Rufina es integrante, ella indica que hace un año y medio que integra Pro Mujer, ingresando por invitación una amiga que es socia de la institución. En la actualidad ella tiene un negocio de venta de flores; este negocio lo emprendió hace años porque le ayudaba a su madre en su negocio; cuando saca su primer préstamo se independiza y realiza su negocio propio.
El crédito que ahora sacará es para el aumento de capital (compra de flores) que adquirirá de las vendedoras mayoristas y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener su familia, ya que ella es casada y tiene cuatro hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el trabajo en 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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