After the flooding that occurred in Guayaramerin many micro-businesses were affected as they lost the greater part of their merchandise and their work tools. Mahaly says that she joined Pro Mujer three years ago on the invitation of a friend who is a client of the institution. She says that after the natural disaster which affected her family. she decided to restart her commercial activity as it is her only source of production. The business she has is selling groceries and meat. She says that she learned the business three years ago as there wasn't a similar business in her neighborhood and the people wanted one.
The loan that she is now taking out is to increase her working capital (buying supplies wholesale) that she will acquire from the wholesalers of the city and later sell in her business. This manner of work allows her to generate resources to support her family as she lives in a relationship and has three children.
When asked what she liked about pro Mujer she replies that she liked the support and the health services for her family that the institution provides to reestablish her business with medical visits.
Después de la inundación que hubo en Guayaramerin muchas microempresarias fueron afectadas, ya que perdieron gran parte de su mercadería y sus herramientas de trabajo. La señora Mahaly indica que hace tres años que integra Pro Mujer, ingresando por la invitación de una amiga que es clienta de la institución; Ella cuenta que después de este desastre natural, que afecto a su familia, ella decidió retomar su actividad económica, ya que es su única fuente de producción; el negocio que tiene es la venta de abarrotes y venta de carne, da a conocer que este negocio lo emprendió hace tres años, ya que en su barrio no existía este negocio pero la gente lo requería.
El crédito que ahora sacará es para el aumento de capital (compra de víveres por mayor) que adquirirá de las vendedoras mayoristas de la ciudad y posteriormente implementará en su negocio. Esta forma de trabajo le permite generar recursos para apoyar a su familia, ya que ella vive en concubinato y tiene tres hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el apoyo y el cuidado de su salud y de su familia que le ofrece la institución para restablecer su negocio con los consultorios médicos.
More information about this loan
Natural disaster loans from Fundación Pro Mujer are directed towards existing clients who have been adversely affected by regional floods, alvalanches, and other natural disasters.
These loans work as seed money for business owners to reactivate a devastated business and gives them the ability to generate income for themselves and their families again.
Kiva's low-cost, risk tolerant capital allows Fundación Pro Mujer to offer a higher risk product to these specific clients, as they work to rebuild their lives and businesses.
Please note that given the circumstances, these loans have a higher level of risk than the average loan from Fundación Pro Mujer in Bolivia.
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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