Julia's furniture business is one of the microbusinesses that will benefit from the loan. Julia joined the group a year ago after a friend who was already a member invited her to join too. Julia says that she learned to buy and sell furniture from her husband who has a similar business. She built up savings of her own and started a separate furniture sales business.
Julia will use this loan to stock her furniture business. She will buy merchandise from furniture wholesalers in La Paz and resell her inventory locally. The business generates an income that helps to support her family, including her two children.
When we asked Julia what she most likes about Pro Mujer, she told us that she likes the training she's received and the access she has to affordable credit.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Julia es integrante, ella indica que hace un año que integra Pro Mujer, ingresando por invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de compra y venta de muebles; cuenta que este negocio lo aprendió hace varios años de su esposo quien trabaja el mismo negocio, con el pasar del tiempo y un pequeño capital decide emprender un negocio independiente para generar mayor economía.
El crédito que ahora sacará es para el aumento de capital (compra de muebles) que adquirirá de las tiendas mayoristas de la ciudad de La Paz y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su hogar pues ella es casada y tiene dos hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el área de salud, las capacitaciones y el crédito accesible que ofrece la institución.
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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