The loan that they are requesting will benefit the micro-entreprises, including Velmera's. She says that it is 3 years since she joined Pro Mujet and that she was invited into the group by a friend who is a member of the institution. She currently has a knitting business and sells blankets, sweaters, and leggings. She started this business after 8 years learning knitting in an institution, after which she decided to start her own business.
The loan that she requesting now is to increase her business capital to buy wool that she will get from the markets in the city of El Alto. After she has made the garments she will sell them by exporting them to Europe. This form of work enables her to generate income to keep-up her household as much as possible as she is married and has 3 children.
When she was asked what she likes about Pro Mujer, she responded that she likes the training in finances and health.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Velmera es integrante, ella indica que hace tres años que integra Pro Mujer, ingresando por invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de tejido y venta de mantas, chompas y polainas; este negocio lo emprendió hace ocho años aprendiendo la técnica de tejido en una institución, posteriormente decide emprender su propio negocio.
El crédito que ahora sacará es para el aumento de capital (compra de lana) que adquirirá de las ferias de la ciudad de El Alto y posteriormente a la elaboración lo comercializará exportando sus productos a países Europeos. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es casada y tiene tres hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las capacitaciones en crédito y salud.
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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