Poderosas (Cuenca) Group
Ximena is one of the members and she is asking for her first loan, along with her friends from the Poderosa loan group. She was invited to join by the group’s president and expects the loans to help her improve the stability of her household.
Ximena is 34 years old, in a common law marriage, and doesn’t have any children. Her husband is a mobile vendor and they live in a rented house.
Ximena is an informal merchant and sells laces, headbands, bows, etc. and has been doing so for four years. She works seven days a week with no set schedule. She also sells a large variety of cosmetics.
She will use the money from this loan to buy headbands and cosmetics so that she will have a variety in stock. Her dream is to have her own house.
Una de las socias de este grupo es la Señora. Ximena, se encuentra realizando su primer crédito a lado de sus amigas del grupo de crédito Ponderosas, fue invitada por la presidenta del grupo y espera que los créditos le ayuden a mejorar la estabilidad de su hogar.
La Señora Ximena tiene 34 años de edad, vive en unión libre, aún no ha concebido hijos, su esposo se dedica al negocio ambulante, no tienen casa propia por lo que viven arrendando.
Doña Ximena se dedica al comercio informal, vende lasos, vinchas, moños, etc. lleva 4 años en el negocio y labora de domingo a domingo sin un horario fijo, también se dedica la venta de una gran variedad de cosméticos.
Su crédito va a invertir en la compra de vinchas y cosméticos para tener variedad. Su sueño es tener su casa propia.
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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