Pajoca 1 Group
She raises bananas a few meters from her home and says that she selected this business because she likes it and because she can sell in the local market. Thanks to her parents’ teachings, she is able to work and support her family.
She has been doing this for 25 years, which has generated an income and acceptable earnings for her so she can contribute toward the family expenses.
Micaela is a community leader and was able to organize a group of women who want to improve their families’ living conditions. This is the reason they are requesting a loan to maintain and buy banana seeds.
Her dream is to buy more farmland so she can expand her crops and generate more profits that will help her provide her family with a better quality of life.
Ella se dedica al cultivo de banano a unos metros de su vivienda. Comenta que eligió esta actividad porque le gusta y además lo puede comercializar en el mercado local de su comunidad. Gracias a las enseñanzas de sus padres ella tiene la oportunidad de trabajar y sostener a su familia.
Ahora cuenta con 25 años de realizar esta labor que le ha generado ingresos y ganancias aceptables que le ayudan a contribuir a los gastos de su familia.
Doña Micaela es una mujer líder en su comunidad logrando organizar un grupo de mujeres que desean mejorar las condiciones de vida de sus familias y es por ello que solicitan un préstamo para el mantenimiento y compra de semillas de banano.
Su sueño es comprar más terreno para poder ampliar su cultivo y de esta manera generar más ganancias que le ayudaran a darle una mejor calidad de vida a su familia.
About ADICLAADICLA (Association for the Holistic Development of the Basin of Lake Atitlán) is nonprofit rural community development association that provides small loans and services to improve quality of life in two of the poorest regions of Guatemala, home to large indigenous populations. Kiva funding will be used to support three innovative credit initiatives: youth business loans, green loans, and smaller loans to help ADICLA move down-market and serve poorer clients.
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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