16 De Julio Group
The loans they receive help the micro-entrepreneurs, of which Lucia is a member. She has been with’ ProMujer’ for 11 years. She joined on invitation by her friends, who are also members. Currently, she has a business making and selling crafts. She tells us that she learnt this trade several years ago when she got married. She used to make and decorate the crafts together with her husband, but since he died, she has carried on with the family business alone.
The loan she is asking for at the moment is to increase her capital (and buy cloth) which she will buy from wholesalers at El Alto city. After preparing her goods, she will sell them at her stall. This work helps her to generate an income to support her family, as she is a widow and has five children.
When she is asked what she likes about ‘ProMujer’, she says the training in health and credit which the institution offers.
In the photograph there is a man dressed in black, who is accompanying the group and his wife with payment.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Lucia es integrante, ella indica que hace once años que integra Pro Mujer, ingresando por la invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de elaboración y venta de artesanías; da a conocer que este negocio lo aprendió hace varios años al contraer matrimonio y conjuntamente su esposo realizaban las decoraciones artesanales, posterior al fallecimiento de su esposo ella continuo con el negocio familiar.
El crédito que ahora sacará es para el aumento de capital (compra de tela) que adquirirá de las tienda mayoristas de la Ciudad de El Alto y posteriormente a la elaboración lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener a su familia, ya que ella es viuda y tiene cinco hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el área de salud y las capacitaciones que desarrolla la institución.
En la fotografía esta presente un señor de negro, quien acompaña al grupo y a su esposa en el desembolso.
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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