The group 'Independientes' is represented by Marisol, who counts on a relationship between herself and her sister Isabel. They are sisters, but earn money totally independently of one another. The members of the community bank are dedicated to different economic activities, such as food sales, promoters of different brands of cosmetics, sale of internet and phone lines, shoe sales, stall sales of clothing, and the sale of groceries. As in all commercial areas there always exists competition for the sale and for demand, especially in the product market, but all the members are progressing forward with their small businesses, thanks to their experience and willingness to work. The requested loan is to increase product stocks for their busineses, such as buying telephone cards, better quality clothes, and consumables. The majority of the members are in their third season with the institution, in which time they have demonstrated responsibility, honesty and punctuality with their payments.
El grupo "Independientes" esta representado por la señora Marisol y cuenta con un parentesco entre Marisol y la señora Isabel ambas son hermanas pero cuentan con ingresos totalmente independientes una de la otra. Las socias del banco comunal se dedican a diferentes actividades económicas como, venta de comida, promotoras de diferentes marcas de cosméticos, puntos de Internet y llamadas, venta de zapatos, ambulantes de ropa y venta de abarrote. Como en todo rubro comercial siempre existe la competencia de la oferta y la demanda en especial en el mercado de productos pero las socias sacan adelante a sus pequeños negocios gracias a su experiencia a sus ganas de trabajar. El crédito otorgado es para ampliar el stock de productos para sus negocios como compra de tarjetas de teléfono, ropa de mejor calidad, y productos de consumo. La mayoría de las socias van cursando su tercer ciclo con la institución en la cual han demostrando responsabilidad, honestidad 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.