Santa Higinia is 50 years old, married with six children, two of whom are studying. She herself did not have the opportunity to study. She embroiders blouses. She started this business with a small amount of money which her husband gave her and up to now she has three years experience doing this. She can count on the support of her husband who works as a city bus driver.
Santa Higinia organized a group and have requested a loan which she would use to expand her working capital buying lustrina (thread used in the double face brocade design), fabric, lining etc. Right now she has six workers. In the near future she would like to have more workers, creating jobs in her community and generating more income for her family.
The other members of the group make clothing, farm, fish etc.
La señora Santa Higinia, de estadoc civil casada, de 50 años de edad, no tuvo la oportunidad de estudiar, tiene 6 hijos y de ellos 2 estan estudiando. Se dedica a la elaboracion de Bordado de Blusas, inició este negocio con un mínimo capital que le concedió su esposo y hasta la fecha lleva 3 años de experiencia; Cuenta con el apoyo de su esposo quien se dedica a prestar sus servicios como chofer de bus urbano.
Organiza un grupo y solicita un prestamo que lo invertirá para la ampliacion de capital de trabajo, comprará lustrina, telas, forros, etc. Actualmente tiene 6 trabajadores y en el futuro proximo desea tener mas trabajadores para generar fuentes de empleo en su comunodad y tambien poder generar mas ganancias para ayudar a su familia, las demás integrantes del grupo se dedican a la cofeccion de ropa, actividades agropecuarias y al comercio.
About Asociación ASDIR
ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.
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.