Mery is the coordinator of the Municipal Group. She is from Puerto Cabezas, and she is 29 years old. She is married and has three children. The oldest is nine and in the third grade, and there are two other minor children. Her husband works in an informal way by selling ice cream in an itinerant manner. With great effort, six years ago she established her small grocery store in a wooden annex that she rents. She pays 300 córdobas netos a month.
She is requesting her first loan from Pana Pana in order to buy products for her small store. She will buy bread, oatmeal, snacks, toothbrushes, bleach, various detergents, eggs, salt, hair gel, toilet paper, and razors. She also sells tamales on Fridays through Sundays. Her dream is to sell cold cuts, basic grains, chicken, ground meat, and dairy products.
Antonieta has a small cafeteria at a school in Puerto Cabezas. She is requesting a loan from Pana Pana to buy snacks. Her dream is to have a prosperous business.
Flor, age 26, is the single mother of a little nine month old child. She sells cosmetics by catalog in an itinerant manner. On the week-ends she sells fried snacks at the schools in Puerto Cabezas. She is requesting her first loan to buy perfume, cosmetics, bananas, cabbage, vinegar, salt, bags, tomatoes, cooking oil, charcoal, and chicken. She dreams of increasing her sales volume of fried snack . She currently sells 40 units on the week-ends.
Mery: Es la coordinadora del Grupo Solidario Municipal, es originaria de Puerto Cabezas, tiene 29 años de edad, casada, tiene 3 hijos, el mayor de 9 años cursa su tercer grado de primaria y dos menores de edad. Su esposo trabaja de manera informal, vende de manera ambulante helados. Con grandes esfuerzos hace 6 años ella estableció su pequeña pulpería, en un anexo de madera que alquila, pagando mensualmente C$ 300 (Trecientos Córdobas Netos). Está solicitando su primer crédito en PANA PANA, con el propósito de comprar productos para su pequeña pulpería: pan, avena, chivería, cepillo de dientes, cloro, jabón de lavar ropa, de lavar traste, de baño, huevo, sal, gel para el cabello, papel higiénico, máquina para afeitar. También vende nacatamal de viernes a domingo. Su sueño es vender mortadela, granos básicos, pollo, carne molida y lácteos.
Antonieta: Tiene una pequeña cafetería en un colegio de Puerto Cabezas. Está solicitando financiamiento a Pana Pana para comprar chiverias. Su sueño es tener un negocio prospero.
Flor: Tiene 26 años, es madre soltera de un pequeño de 9 meses. Vende cosméticos por catálogos de manera ambulante y los fines de semana vende frito en los colegios de Puerto Cabezas. Solicita su primer crédito para comprar: perfumes, cosméticos, pilipitas, repollo, vinagre, sal, bolsas, tomate, aceite, carbón y pollo. Sueña con ampliar su volumen de venta de fritos, actualmente vende 40 unidades los fines de semana.
About Pana PanaPana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.
Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.
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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