Janet N. is one of the executive members of Galikwoleka lending group in Jinja. She is married and a business woman. She has operated a bar selling local brew, bottled wines, spirits and beers from her home for a long while. During her free time, Janet is also involved in the tailoring business where she makes and repairs clothes for her customers, out of the materials that she buys in Jinja town. She is grateful for the loan that enabled her to start her second business, where she bought a sewing machine and 2 pairs of scissors. Now, her home is presentable compared to how it was before the loans. Janet is requesting a loan to buy materials for her local brew business, like sim sim, bananas and millet as well as a few materials for making clothes.
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.