Banco Mujer Las Hijas De Dios Group
The leader of the group is Maríanela, a native of Nicaragua who has been living in Costa Rica for more than 20 years. She lives with her partner and her 3 children. All of them study, two in Secondary school and one in Primary school. She is a hard-working woman who has made an effort to get ahead and improve their living conditions. She is a salesperson with lots of experience selling clothing, perfumes and catalog products.
She will invest the loan in buying more merchandise in order to fill all the requests she has from her clients. She has not filled them as she doesn't have enough money to do so. This will permit her to expand her portfolio of clients and increase her income through her sales.
Maríanela with her enthusiasm and desire to work knows that this loan will be a great help to her and her family. It will allow her to get closer to accomplishing her dreams, which are to see her children complete their studies and to improve the conditions of her house.
La líder del grupo es Doña Maríanela, nicaragüense con más de 20 años de vivir en Costa Rica, vive con su compañero y sus 3 hijos, todos estudiantes, 1 en primaria y 2 en secundaria. Ella es una mujer muy trabajadora, que se ha esforzado por salir adelante y mejorar sus condiciones de vida. Comerciante con mucha experiencia, vende ropa, perfumes, y productos de catalogo. El crédito lo va invertir en la compra de más mercadería, para poder cumplir con todos los pedidos que le hacen sus clientes y que hasta ahora por falta de dinero no la ha podido hacer, eso le va a permitir ampliar su cartera de clientes así como aumentar sus ingresos por ventas. Doña Marianela con mucho entusiasmo y ganas de trabajar sabe que el crédito es de mucha ayuda para ella y su familia, ya que le va a permitir acercarse a cumplir sus sueños, que son ver a sus hijos concluir sus estudios y mejorar las condiciones de su vivienda.
More information about this loan
In Costa Rica, funding for microfinance institutions is hard to come by, and many institutions find themselves having difficulty growing and reaching all the demand for loans that exist. Kiva works with Fundacion Mujer because it attends a very marginalized population in Costa Rica, with a specific focus on women. In addition to the loan, Fundacion Mujer provides specialized training programs for their borrowers on everything from computer classes to salon training. Because of the difficulty in obtaining capital in Costa Rica, Fundacion Mujer cannot serve all the women that need loans. Therefore Kiva plays a unique role in helping Fundacion Mujer grow its portfolio and reach borrowers it otherwise would not be able to.
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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Success!! The loan was 100% repaid