The “Bonanza” group is represented by Mrs. Marlene, their president. The group includes relatives Yanneth and her daughter Emilene, but each has her own income, so this does not present any problem to the group. The members make their living selling different products, including clothing, food, and cosmetics. One member works in screen-printing and has some tools but is not independent, which is one reason for his seeking financing. He would like to gain independence and open his own business with the experience he has gained in 5 years of work in his field. As in all business, there is always competition, but with their experience and desire to grow the business, the members know that they can advance. The group says that the loan they receive from the Agrocapital Foundation will be used to improve their business and grow capital. One member notes that the members already have experience working in supportive groups with other financial organizations and know the responsibility that comes with a loan.
EL GRUPO " BONANZA " ESTA REPRESENTADO POR LA SEÑORA MARLENE QUIEN ES SU PRESIDENTA. DENTRO DEL GRUPO EXISTE UN PARENTESCO CONSANGUÍNEO ENTRE LA SEÑORA YANNETH Y SU HIJA EMILENE PERO AMBAS TIENEN INGRESOS INDEPENDIENTES POR LO QUE NO REPRESENTA UN PROBLEMA EN EL GRUPO. EN GENERAL LAS SOCIAS SE DEDICAN AL COMERCIO D. DIFERENTES PRODUCTOS COMO SER: VENTA D. ROPA, COMIDA ,COSMÉTICOS Y UNO D. LOS SOCIOS TRABAJA EN SERIGRAFÍA, TIENE ALGUNAS HERRAMIENTAS D. TRABAJO PERO NO ES INDEPENDIENTE, ESTE ES UNO D. LOS MOTIVOS POR EL QUE QUIERE EL FINANCIAMIENTO PARA PODER INDENDIZARSE Y ABRIR SU PROPIO NEGOCIO CON LA EXPERIENCIA D. HABER TRABAJADO CINCO AÑOS EN EL RUBRO. COMO EN TODO ACTIVIDAD COMERCIAL SIEMPRE HAY COMPETENCIA PERO CON LA ANTIGÜEDAD Y LAS GANAS D. CRECER EN EL TRABAJO SABEN QUE PODRÁN SALIR ADELANTE. EL GRUPO MANIFIESTA QUE EL CRÉDITO OTORGADO POR LA FUNDACIÓN AGROCAPITAL SERÁ DESTINADO PARA MEJORAR SUS ACTIVIDADES O AUMENTAR CAPITAL. ALGUNA D. LAS SOCIAS COMENTAN QUE YA TIENEN EXPERIENCIA TRABAJANDO CON GRUPOS SOLIDARIOS EN OTRAS ENTIDADES FINANCIERAS Y SABEN D. LA RESPONSABILIDAD QUE IMPLICA UN PRÉSTAMO.
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.