The members of the communal bank "San Antonio" are represented by Mrs. Mirtha, who is a blood relative of Mrs. Maria Ester, and by Mrs. Viviana, who is related to Pamela, but each has her own independent income in order to fulfill her responsibilities. The members each manage a variety of businesses and services such as selling cosmetics, selling groceries, selling pastries and food, and some of them work in hairdressing and in public transport. As in every business there exists competition in regards to supply and demand. The loan will be used, according to the members, to augment their merchandise and to buy work tools. The members have asserted they are experienced with solidarity groups since some of them have worked with Fundación Agrocapital in previous groups, and they are known to be responsible and able to improve their businesses.
LAS SOCIAS DEL BANCO COMUNAL "SAN ANTONIO" ESTA REPRESENTADO POR LA SEÑORA MIRTHA QUIEN TIENE NEXO CONSAGUINEO CON LA SEÑORA MARIA ESTER Y LA SEÑORA VIVIANA COM PAMELA, PERO CADA UNA D. ELLAS TIENE INGRESOS INDEPENDIENTES PARA ASUMIR SUS RESPONSABILIDADES. LAS SOCIAS DESARROLLAN DIFERENTES ACTIVIDADES COMERCIALES Y D. SERVICIO COMO SER PROMOTORAS D. COSMETICOS, VENTA D. ABARROTES, D. MASITAS Y VENTA D. COMIDA, ALGUNA D. ELLAS SE DEDICAN A LA PELUQUERIA Y AL TRANSPORTE PUBLICO EN LO QUE RESPECTA A LOS SOCIOS PARTICIPANTES.COMO EN TODO RUBRO COMERCIAL SIEMPRE EXISTE LA COMPETENCIA D. LA OFERTA Y LA DEMANDA. EL CREDITO ESTA DESTINADO, SEGÚN EXPRESIONES D. LAS SOCIAS, AL INCREMETO D. SU MERCADERIA Y COMPRAR HERRAMIENTAS D. TRABAJO.EFECTIVAMENTE LAS SOCIAS COMENTAN QUE TIENEN EXPERIENCIA CON GRUPOS SOLIDARIOS YA QUE ALGUNAS TRABAJAROSN CON LA FUNDACION AGROCAPITAL EN ANTERIORES GRUPOS, Y SE SABE QUE SON GENTE RESPONSABLE Y CAPAZA D. MEJORAR AUN MAS SU FUENTE D. TRABAJO.
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.