In this group: Gloria, Julieta, Flor De Maria, Adregonia, Gabriela
Translated from Spanish. View original language description.
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In this group: Gloria, Julieta, Flor De Maria, Adregonia, Gabriela
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Translated from Spanish. View original language description.
Gloria is 34 and married with 2 children; her husband works in the fields. For the past 6 years, she has sold clothing from her house as well as on the streets. Flor de Maria also sells clothing both from home and on the streets. Julieta and Adregonia have put small grocery stores in their homes and supply products to persons in their communities. Gabriela is the only one of the group who sells soft drinks from home, to people in her neighborhood. Each of them, with their share of the loan, will replenish their business' supply of merchandise.
Translated from Spanish by Molly Puglisi, Kiva Volunteer.
GLORIA TIENE 34 AÑOS , CASADA CON 2 HIJOS , SU ESPOSO SE DEDICA AL TRABAJO DEL CAMPO, ELLA VENDE ROPA EN SU CASA Y ADEMAS SALE A VENDER EN LAS CALLES DE LA CIUDAD DESDE HACE COMO 6 AÑOS . AL IGUAL QUE DOÑA FLOR DE MARIA QUIEN TAMBIEN TIENE EN SU CASA VENTA DE ROPA . EN EL CASO DE JULIETA Y ADREGONIA ELLAS TIENEN EN SUS CASAS TIENDA DE ABARROTES Y ABASTECEN DE PRODUCTOS A LAS PERSONAS DE SU COMUNIDAD .SOLAMENTE GABRIELA SE DEDICA A LA VENTA DE REFRESCOS DESDE SU CASA A LOS VECINOS DE SU SECTOR. TODAS ELLAS ABASTECERAN DE MAS MERCADERIA SUS LOCALES CON LA PARTE QUE LES CORRSPONDE DEL PRESTAMO.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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