La Colmena Group
Bolívar will use this loan to buy tools which will help him in his work as a bricklayer (a shovel, trowels, a drill, a grinder, a hammer, a saw and a tape measure). In the short term he hopes to acquire a mixer so that he can form his own bricklaying team, providing work to others and generating more income.
He wants to give support to his daughter in a thousand ways. She shows promise as a news-presenter and Bolívar hopes she becomes a great journalist.
Additional information: Bolívar belongs to the “LA COLMENA” group which has 9 members who all have different work and who will receive between $500 to $1500 each, depending on their seniority in the group. It is worth noting that their previous loans have been paid on time and surely will repeat this with this new loan.
Bolívar desde hace muchos años se dedica a la albañilería no es trabajo fijo y en ocasiones debe esperar varias semanas para poder encontrar tarea.
Su esposa tiene un 70% de discapacidad, oportunamente trabaja en una oficina realizando el aseo.
Con este préstamo Bolívar, comprara herramientas que faciliten sus tareas de albañil, (pala, bailejos, moledora, metro, martillo, cortadora y taladro) a un corto plazo, Bolívar espera adquirir una mezcladora, con la que formará su propio equipo de albañilería, dando trabajo a otras personas y obteniendo mejores ingresos.
Desea apoyar de mil maneras a su pequeña hija, quien muestra dotes de presentadora de noticias y Bolívar espera que se convierta en una gran periodista.
Bolívar es integrante del grupo “LA COLMENA”, formado por 9 personas, quienes realizan diferentes actividades y que recibirán entre $500 y $1500 cada una según la antigüedad en el grupo, cabe indicar que los anteriores prestamos los pagaron normalmente y están seguros de tener el mismo comportamiento de pago en el presente crédito.
More information about this loan
This loan is part of FODEMI’s effort to reach vulnerable populations located along Ecuador’s frontier with Colombia. This region generally lacks access to financial services and is populated by many Colombian refugees seeking asylum from guerrilla warfare. This loan is designed to help these vulnerable populations improve their lives and set up sustainable businesses.
About FODEMI, a partner of World Vision InternationalFODEMI is a microenterprise development fund that supports groups of entrepreneurs who lack access to formal financial systems. The organization works with vulnerable populations, especially women, in the marginalized urban and rural sectors of Ecuador. Its clients work in a variety of sectors including agriculture, artisan crafts and the commercial and service sectors. Kiva lenders’ funds are used to expand the organization’s services to the poor living in more rural parts of Ecuador.
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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This loan has been fully funded!