Members of the Community Bank “Creativas” are represented by Lola. Four of their members, Ricardo, Viviana, Roxana and Angelica are cousins but they perform different activities and have separate incomes. Most female members sell clothes and cosmetics, but they also work as custodians or secretaries. Male members work on electronics or in auto shops. As in any business, supply and demand has always been an issue. However, members have experience in this area and they are not worried about their competitors as they offer quality work and products. Financing will be used to purchase supplies, goods and work tools. Although it is the first time for some of their members, many of them have already worked with other support groups, so they are aware of the responsibility of requesting for a loan. They have proved their commitment to the Foundation and they have always performed timely payments of their loans in the past.
LAS SOCIAS DEL BANCO COMUNAL "CREATIVAS" ESTAN REPRESENTADAS POR LA SEÑORA LOLA, ESTE GRUPO PRESENTAN COMO NEXO CONSANGUINEO AL SEÑOR RICARDO A VIVIANA, ROXANA Y ANGELICA QUE SON PRIMOS SERCANOS PERO CADA UNO TIENE DIFERENTES ACTIVIDADES Y POR TANTO INGRESOS INDEPENDIENTES. GRAN PARTE D. LAS SOCIAS SON PROMOTORAS D. ROPA Y COSMETICOS, TAMBIEN DESEMPEÑAN FUNCIONES EN DIFERENTES AREAS COMO LIMPIEZA Y SECRETARIADO. LOS SOCIOS PRESTAN SUS SERVICIOS EN TALLERES D. ELCTRONICOS Y AUTOMOTRICES. COMO EN TODO RUBRO COMERCIAL SIEMPRE EXISTE LA COMPETENCIA D. LA OFERTA Y LA DEMANDA PERO LOS SOCIOS (AS) TIENE EXPERIENCIA EN EL RUBRO Y NO LES PREOCUPA LA COMPETENCIA YA QUE OFRECEN PRODUCTOS Y TRABAJOS D. CALIDAD. EL FINANCIAMIENTO ESTA DESTINADO PARA INCREMETAR SU MERCADERIA Y A LA COMPRA D. HERRAMIENTAS D. TRABAJO. EFECTIVAMENTE LAS SOCIAS YA TRABAJARON CON GRUPOS SOLIDARIOS POR LO QUE SABEN LA RESPONSABILIDAD QUE IMPLICA UN CRÉDITO, PARA ALGUNA D. LAS INTEGRANTES DEL GRUPO ES LA PRIMERA VEZ QUE TRABAJAN CON LA FUNDACION PERO HACEGURAN SER GENTE HONESTA Y CUMPLIDA EL RESTO D. LA SOCIAS YA TRABAJARON CON LA FUNDACION EN ANTERIORES GRUPOS DEMOSTRANDO RESPONSABILIDAD Y PUNTUALIDAD EN SUS PAGOS.
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.