The group members of "Los Responsables" (The Responsible Ones) are neighborhood friends and are represented by Mrs. Miriam. They back each other up, are committed to pay the payments on time, and have experience working within solidarity groups. All of the group members have their own small businesses, which serve as their income, such as selling clothes, housewares, cosmetics, food, and some have internet centers. As in all business there exists the competitiveness of supply and demand, but all of them wish to excel in their business. The group "Los Responsables" assert that the loan received from Agrocapital will be used to augment raw materials for their business and improve the quality of their products. The majority of the members are experienced in their businesses and are capable of administering the capital obtained.
LOS INTEGRANTES DEL GRUPO LOS RESPONSABLES REPRESENTADOS POR LA SEÑORA MIRIAM SON GENTE QUE SE CONOCEN YA QUE RECIDEN EN EL MISMO BARRIO. ELLOS SE GARANTIZAN Y SE COMPROMETEN EN PAGAR LAS CUOTAS PUNTUALMENTE Y A QUE TIENEN EXPERIENCIA TRABAJANDO CON GRUPOS SOLIDARIOS. TODAS LOS MIEMBROS DEL GRUPO TIENEN SUS PEQUEÑOS NEGOCIOS D. LOS QUE OBTIENEN SUS INGRESOS COMO SER LA VENTA D. ROPA, VENTA D. PRODUCTOS PARA EL HOGAR Y COMESTIBLES, PRODUCTOS COSMESTICO, VENTA D. COMIDA Y ALGUNOS POSEEN CENTROS D. INTERNET .COMO EN TODO RUBRO COMERCIAL SIEMPRE EXISTE LA COMPETENCIA D. LA OFERTA Y LA DEMANDA PERO TODOS ELLOS DESEAN SUPERASE EN SU NEGOCIO.EL GRUPO LOS RESPONSABLES MANIFIESTA QUE EL CRÉDITO OTORGADO POR AGROCAPITAL SERÁ DESTINADO PARA AUMENTAR INSUMOS A SU NEGOCIO Y MEJORAR EN LA CALIDAD D. SUS PRODUCTOS.LA MAYORIA D. LOS SOCIOS TIENEN EXPERIENCIA EN SUS RUBROS Y CAPACIDAD PARA ADMINISTRAR EL CAPITAL OBTENIDO.
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.