The group "Vicunitas del Tunari" is represented by Mrs. Liliana Ella who just like her partners has a large family maD. up of five members. The members are hardworking and responsible people. In general they are involved in the sale of merchandise such as clothing, handicrafts, vicuna (an animal related to the llama) blankets, sneakers, groceries, auto parts, and home construction. Within any market there always exists the competition of supply and demand, and these women have learned to deal with it by rotating their merchandise in order to place on sale the items of the season. Some of them are not able to do it on time and are left with items that are out-of-season and difficult to sell to demanding customers. It is for this reason that sometimes the members are late with their payments. The purpose of the loan is to increase merchandise for the Christmas season during which there is a greater demand for their products as well as for the purchase of work tools for the men. Their experience within the realm of solidarity groups is good since some of the members of this group participated in other loans with other groups and were able to pay punctually. There exists a family kinship within this group between Marisol and Gonzalo who are brother and sister but they have totally independent incomes.
EL GRUPO "VICUÑITAS DEL TUNARI " ESTA REPRESENTADO POR LA SEÑORA LILIANA ELLA AL IGUAL QUE SUS COMPAÑERAS TIENE UNA FAMILIA NUMEROSAS COMPUESTA D. CINCO MIEMBROS. LAS SOCIOS (AS) SON GENTE TRABAJADORA Y MUY RESPONSABLE, EN GENERAL SE DEDICAN AL COMERCIO D. MERCADERÍAS COMO LA ROPA, ARTESANÍAS, MANTA D. VICUÑA, ZAPATILLAS DEPORTIVAS, ABARROTES, REPUESTOS PARA AUTO Y A LA CONSTRUCCIÓN D. VIVIENDAS. DENTRO DEL MERCADO SIEMPRE EXISTE LA COMPETENCIA D. LA OFERTA Y LA DEMANDA, LAS SOCIAS HAN APRENDIDO A COMBATIRLA HACIENDO ROTAR SU MERCADERÍA PARA PONER A LA VENTA LOS PRODUCTOS D. LA ÉPOCA, ALGUNAS D. ELLAS NO LOGRAN HACERLO A TIEMPO QUEDÁNDOSE CON MERCARÍA PASADA Y DIFÍCIL D. VENDER AL CLIENTE EXIGENTES ES POR ESTA CAUSA QUE AVECES LAS SOCIAS RETRAZAN SUS PAGOS. EL DESTINO DEL CRÉDITO ES PARA EL INCREMENTO D. SU MERCADERÍA PARA LA ÉPOCA NAVID.ÑA EN LA CUAL HAY MAYOR DEMANDA D. PRODUCTOS Y PARA LA COMPRA D. HERRAMIENTAS D. TRABAJO EN LOS CASOS D. LOS VARONES. SU EXPERIENCIA DENTRO DEL MARCO D. GRUPOS SOLIDARIOS ES BUENA YA QUE ALGUNOS D. LOS MIEMBROS D. ESTE GRUPO PARTICIPARON D. OTROS FINANCIAMIENTOS EN OTROS GRUPOS DIFERENTES LOGRANDO CUMPLIR CON LOS PAGOS PUNTUALMENTE. EXISTE UN PARENTESCO FAMILIAR DENTRO DEL GRUPO ENTRE LA SEÑORA MARISOL Y GONZALO ELLOS SON HERMANOS PERO TIENEN INGRESOS TOTALMENTE INDEPENDIENTES.
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.