The loan they are requesting will benefit all of their small businesses, including Mónica's. She has been a member of Pro Mujer for six years, and joined at the invitation of a friend who is also a member. She has a business selling ice creams. She started the business to support her husband, who does the same work. Once she learned techniques from him, she opened her own business.
She is requesting this loan for working capital to purchase merchandise to sell. She will purchase it in the markets in El Alto, and later sell them, since she sells her products as a street vendor. This type of work allows her to generate income to support her family. She is married and has two children.
When asked what she likes about Pro Mujer, she responded that she likes the loans and the training that the institution offers.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Mónica es integrante, ella indica que hace seis años que integra Pro Mujer, ingresando por la invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de venta de helados; da a conocer que este negocio lo emprendió al apoyar a su esposo, a quien trabajaba en el mismo negocio, posterior a aprender las técnicas decide emprender un negocio independiente.
El crédito que ahora sacará es para el aumento de capital (compra de ambiente para la venta) que adquirirá en las ferias de la ciudad de El Alto y posteriormente se instará en él, ya que en la actualidad ella vende de forma ambulante sus productos. Esta forma de trabajo le permite generar recursos para apoyar a su familia, ya que ella vive en concubinato y tiene dos hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el crédito y capacitación 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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