Isemene is the coordinator of the Fleurs Roses De Ouanaminthe Group. She is married, has three children and lives in the north-east region of Haiti where electricity is rare and portable water is very limited. She has been operating her clothing boutique for the last four years. Prior to this, Isemene was a seamstress. She hopes that this loan will help her grow her business. Other members of her group need loans to support their businesses in food products, soft drinks, etc. Isemene says her main challenge is to grow her business, and her primary goal right now with loans from Esperanza International is to obtain a truck that will help her expand her client base.
Isemene est la coordinatrice de son groupe Fleurs Roses de Ouanaminthe. Elle est marie et elle a 3 enfants. Ele habite dans la region nord est d`Haïti ou de électricité est rare et de l'eau portable est très limitée. elle contient La boutique pendant les 4 dernieres années.
Avant de faire ce commerce Isemene fait la couture, elle espère que cet emprunt l’aidera à grandir son business. Des autres membres de son groupe ont besoin d’un emprunt pour faire le commerce tel que ventes produits alimentaires, boissons gazeuses, nourriture, etc. Elle dit que son défit principal est de devenir une plus grande commerçante dans sa vie.
Elle dit son but principal c’est d’avoir un camion qui lui facilitera à un plus grand clientele, avec les prêts de Esperanza.
More information about this loan
This loan is designed for a borrower or group of borrowers in Haiti. Esperanza is one of the few MFIs currently working in the northeast region of the country. Through lending, the organization aims to stimulate economic growth and opportunity in a country that has suffered debilitating crises, including political instability, natural disasters and poverty. Esperanza lends primarily to groups of women who cross-guarantee each other's loans. They also receive financial literacy courses and health services.
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.