The members of the communal association work in a variety of businesses including: selling food, a grocery store, milk production, weaving blankets, and selling cattle. The loan will benefit these small business owners, including María. She explains that she joined Pro Mujer (For Women) three years ago at the invitation of a representative of the institution who paid her a visit at home. She currently runs a business selling milk. She inherited this business from her parents five years ago, because she is in charge of it.
The loan will be used to increase resources; to buy calves from communities in the city of El Alto. She will then raise the calves to sell dairy products. This type of work allows her to generate resources to maintain her home as best she can. She is single and has four children.
When people ask her why she likes Pro Mujer (For Women), her answer is that she likes the reduced rates of insurance and the health services.
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 de una Asesora de la institución que le fue a visitar a su casa. En la actualidad ella tiene un negocio de venta de leche; este negocio lo heredo de sus padres hace cinco años, ya que ella será la responsable del mismo.
El crédito que ahora sacará es para el aumento de capital (compra de ternero) que adquirirá de las comunidades aledañas a la Ciudad de El Alto y posteriormente lo criará para comercializar los productos lácteos en las empresas. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar pues ella es soltera y tiene cuatro hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las garantías reducidas y el servicio de 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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