The loan that they are taking out will benefit these micro-entrepreneurs, of which Señora Maria is one. She mentions that it was three years ago that she joined Pro Mujer, joining at the invitation of a friend who is a member of the institution. At this time she has a business of selling gifts. She undertook this business a number of years ago, upon observing people's needs.
The loan that she will take out now is to increase her capital to buy blankets, which she will buy in the wholesale stores of the city of El Alto, and after decorating them, she will sell them in her sales space. This form of work allows her to generate resources to maintain her household as much as possible, since she is married and has a son.
When she is asked what she likes about Pro Mujer, she responds that she likes the camaraderie of her group.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora María es integrante, ella indica que hace tres años 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 regalos; este negocio lo emprendió hace varios años atrás, al observar el requerimiento de las personas.
El crédito que ahora sacará es para el aumento de capital (compra de frazadas) que adquirirá de las tiendas mayoristas de la ciudad de El Alto y posteriormente a la decoración lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es casada y tiene un hijo.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el compañerismo de su 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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