Juana (first on the left in the photo) is a 36-year-old woman, married, with two children. She lives with her family in Nahualá, Sololá. She is an enthusiastic and visionary woman, with many hopes of succeeding. She works in the production and sales of bananas, and she does this lovely job in the community where she lives. She inherited the work from her parents, who worked there as well and that is how they transferred all their knowledge and experience to her. This work has generated enough income to sustain Juana's family. She says that she likes the job because it is honest, and with it she can serve the community. She has more than 25 years of experience doing this work. With the goal of contributing to her community, she decided to organize a group that would mutually help herself and her associates to have a better quality of life. She will use this loan to buy supplies (fertilizer and payment for manual labor) for the maintenance of the banana plantations. Juana dreams of increasing her income through planting and production of more bananas, and that way she can help her children to become professionals.
Juana (primera de izquierda a derecha en la fotografía) es una señora de 36 años de edad, casada, tiene dos hijos, ella vive junto a su familia en Nahualá, Sololá.
Ella es una joven entusiasta, visionaria y con muchas ganas de salir adelante, se dedica a la producción y venta de banano, esto bonita actividad lo realiza en la comunidad donde vive; esta actividad la heredó de sus padres, quienes se dedicaban a lo mismo y fue asi como le transfirieron todo el conocimiento y experiencia. Esta labor le genera a ella los ingresos necesarios para el sostenimiento de su familia. Ella comenta que le gusta esta actividad porque es honesta y con ella le sirve a su comunidad. Tiene más de 25 años de experiencia en esta actividad.
Con el objetivo de contribuir a su comunidad ella decidió organizar un grupo para ayudarse mutuamente con su compañeras y asi mejorar sus niveles de vida. Utilizará el préstamo para la compra de insumos (fertilizante y pago de mano de obra) para mantenimiento de las plantaciones de banano.
Juana sueña con incrementar sus ingresos a través de la siembra y producción de más banano y con ello lograr que sus hijos sean profesionales.
More information about this loan
ADICLA (Association for the Holistic Development of the Basin of Lake Atitlán) is nonprofit rural community development association that provides small loans and services to improve quality of life in two of the poorest regions of Guatemala, home to large indigenous populations. Kiva funding will be used to support three innovative credit initiatives: youth business loans, green loans, and smaller loans to help ADICLA move down-market and serve poorer clients.
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.