Josephine N. is a smart, hard-working and devoted mother who is married with 5 children, and she cares for 6 orphans. She is the leader of Suubilyamukama women's group. When she tells you about the business she does, you realize that she is really fit for it. She sells new clothes for ladies, men and children. Some are already made but she sews most of the clothes herself. She makes clothes of various designs -- both bitenge (Nigerian wear) like the one she is putting on with a red cap, as well as traditional wear (gomesi). On top of this, she has a shelf where she sells the accessories like jewellery that go with the clothes she makes; hence her customers find a variety to choose from. Josephine needs another loan to be able to stock more clothing materials for sale and for sewing.
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.