The credit they are taking will help the small group of micro-entrepreneurs of which Adela is a member. She says that it is her third cycle with Pro Mujer, and that she joined the group through the invitation of a loan officer who visited her house. Currently she has a business that sells prepared foods; it is worth knowing that this is a business she learned from her mother, since from a young age she helped with the business. Once she was able to put together the capital, she decided to start her own business.
The loan will be used to increase her capital (purchase of rice and produce at wholesale) which she will acquire in the markets of the city of El Alto. Later after preparing the food she will sell it in her sales space. This form of work helps her generate income to provide for her family, since she is married with five children.
When asked what she likes about Pro Mujer, she replies that she likes the savings that the institution offers her and that all of her group members are responsible.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Adela es integrante, ella indica que es el tercer ciclo que integra Pro Mujer, ingresando por la invitación de un asesor de la institución que fue a visitarla a su casa. En la actualidad ella tiene un negocio de venta de comida; da a conocer que este negocio fue un negocio lo aprendio de su madre, ya que desde corta edad ayudo en el negocio; al reunir un capital decide emprender el mismo.
El crédito que ahora sacará es para el aumento de capital (compra de arroz y verduras por mayor) que adquirirá en las ferias de la ciudad de El Alto y posteriormente a la elaboración lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener a su familia ya que ella esta casada y tiene cinco hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el ahorro que le ofrece la institución y que todas las componentes de su grupo son responsables.
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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