M. Henry is the leader of the Byantuyo group in Jinja. He is a farmer and his income generating business sells produce that he grows on his plantation, like matooke, sweet potatoes, cassava, maize, beans and so on.
He has loyal customers. When he does not have enough to sell, he buys from fellow farmers around his village and neighboring ones, to make sure his customers do not meander.
He needs a loan to be able to buy more produce for sale and to employ manpower to help him clear more land for fresh farming.
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.