Banco Mujer Mujeres De Excelencia Group
Janori is married for the second time. Her first husband died when they were both very young. She was left with 4 small children at that time. Despite this, and thanks to her bravery and dedication, she got her children ahead. She worked very hard to give them an education, and she continues to do so with her youngest son from her second marriage. At 56 years old, and with some health problems, she hasn't stopped her activity. She works raising and developing beef and dairy cattle. On her land parcel, she also grows vegetables. Both she and her husband work hard at the farm. Yanori has already received four loans before and they have been a big help to be able to acquire her animals and give her land the care it needs. This new investment will be to buy calves and their feed, as well as other materials necessary for the development of the animal. Her short and medium term goals are to improve her health, have the chance to access private health services to improve her quality of life, and keep paying for her youngest son's education. He is starting secondary school and her older children already finished their professional educations in different areas.
Doña Janori es casada por segunda vez, su primer esposo falleció estando ambos muy jóvenes, ella quedo con 4 niños pequeños en aquel entonces, pese a eso, y gracias a su valentía y dedicación sacó a sus hijos adelante, trabajo muy duro para darles el estudio, y lo sigue haciendo con su hijo menor del su segundo matrimonio. Con 56 años, y algunos problemas de salud ella no deja su actividad, se dedica a la cría y desarrollo de ganado lechero y vacuno, además en su parcela también tiene cultivo de hortalizas, tanto ella como su esposo trabajan con esmero en esa finca. Doña Yanori ya ha recibido 4 créditos anteriormente y han sido de gran ayuda para poder sus adquirir los animales y darle el cuido necesario a sus tierras. Esta nueva inversión será para la compra de terneros, y sus alimentos, así como otros insumos necesarios para el desarrollo del animal. Sus metas a corto y mediano plazo son mejorar sus condiciones de salud , tener la oportunidad de acceder a servicios de salud privado para mejorar su calidad de vida y seguir pagando los estudios de su hijo menor que inicia la secundaria, ya que sus hijos mayores ya concluyeron sus estudios profesionales en sus diferentes aéreas.
More information about this loan
In Costa Rica, funding for microfinance institutions is hard to come by, and many institutions find themselves having difficulty growing and reaching all the demand for loans that exist. Kiva works with Fundacion Mujer because it attends a very marginalized population in Costa Rica, with a specific focus on women. In addition to the loan, Fundacion Mujer provides specialized training programs for their borrowers on everything from computer classes to salon training. Because of the difficulty in obtaining capital in Costa Rica, Fundacion Mujer cannot serve all the women that need loans. Therefore Kiva plays a unique role in helping Fundacion Mujer grow its portfolio and reach borrowers it otherwise would not be able to.
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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