The "VILOROCO" communal association is starting its second loan cycle with Pro Mujer, as part of the Copacabana focal center. It is made up of eight members and is led by an executive committee, of which Virginia is the president. The businesses that the members of the communal association operate are varied, and include: milk production, cheese production, buying and selling cattle, weaving blankets, and selling food. The loan that is being taken will benefit small microbusiness owners such as Virginia. She says that she joined Pro Mujer one year ago, after having been invited by an organizer from the organization who came to visit her in her home. She now has a milk business. She says that she learned this business from her parents who did the same work, and then with a bit of capital started her own business. The loan will be used to increase her capital (by buying cows) that she will acquire from neighboring communities later raise in order to sell their milk in the city of El Alto. This type of work allows her to earn income to help support her family, as she lives in a common-law relationship and has one child. When asked what she likes about Pro Mujer, she responded that she likes the savings that the organization provides.
La A.C. “VILOROCO” iniciará el segundo ciclo en Pro Mujer, como parte del Centro Focal de Copacabana, está compuesta por ocho integrantes y está dirigida por una mesa directiva donde la señora Virginia es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: producción de leche, producción de queso, compra y venta de ganado, tejido de mantas, venta de comida.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Virginia es integrante, ella indica que hace un año que integra Pro Mujer, ingresando por la invitación de una promotora de la institución que fue a visitarle a su casa. En la actualidad ella tiene un negocio de lechería; da a conocer que este negocio lo aprendió de sus padres que tenían el mismo negocio, con un poco capital emprendió su propio negocio.
El crédito que ahora sacará es para el aumento de capital (compra de ganado) que adquirirá de las comunidades cercanas y posteriormente a la crianza comercializará la leche en la ciudad de El Alto. Esta forma de trabajo le permite generar recursos para apoyar a su familia, ya que ella vive en concubinato y tiene un hijo.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta los ahorros 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.