Sarah N. is one of the executive members of the Twesige loan group in Kayunga. Sarah is well known in her community because of her work. She operates a drug store that she has owned for ten years. People refer to her as “musawo,’ which means doctor. In places far away from the town council, it’s hard to find a hospital therefore Sarah offers much needed medicine. Her store is a blessing to the people since it reduces the transport cost and time necessary to seek health services from a big hospital. Sarah is able to treat illnesses like malaria, colds, coughs, minor injuries and accidents and at times provides delivery services to women in her area. She is requesting a loan to stock her shop with more medications and medical supplies.
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.