Flor De Estrellas Group
The businesses carried out by the members of the communal bank are varied; among them are: selling candy and cookies, weaving blankets, weaving taris (traditional handmade fabrics), installing gas lines in houses, macramé blankets, sewing sports clothing, and selling medicinal products.
The loan that they will take out will benefit small business entrepreneurs such as Julia. She says that she has been a member of the organization for two years. Currently, she has a business sewing, weaving, and selling blankets.
She began this business several years ago after starting out only weaving blankets that her customers brought to her. Because she made good products, she later learned to weave fabric, and now she does the entire process of making blankets.
The loan that she will take out now is to increase her capital (to purchase wool) that she will obtain from the wholesale markets in the city of El Alto. After making them, she will sell them at the customers’ requests. This kind of work allows her to generate resources to support her household as much as possible, as she lives with her partner and has four children.
When asked what she likes about Pro Mujer, she replies that she enjoys the education on health and credit.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Julia es integrante, ella indica que hace dos años que es socia de la institución. En la actualidad ella tiene un negocio de costura, trenzado y venta de mantas; este negocio lo emprendió hace varios años atrás iniciando solamente con el trenzado de mantas, mismos que traían sus clientas, ya que ella realizaba buenos productos, posteriormente aprendió a realizar el tejido y ahora realiza todo el proceso de elaboración de mantas.
El crédito que ahora sacará es para el aumento de capital (compra de lana) que adquirirá de las ferias mayoristas de la ciudad de El Alto y posteriormente a la elaboración lo comercializará a pedido del cliente. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella vive en concubinato y tiene cuatro hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las la capacitación en salud y crédito.
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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