The Seagull group is represented by Sra. Viviana and made up of 12 members who are in their third cycle with optimism and responsibility for their payments. Within the group there are members who are dedicated to the sale of products such as food, cosmetics, bedding, kid's clothing and others that are dedicated to work in the home. Although the competitive environment is always present, the members make an effort to succeed in their small businesses, starting earlier than the rest of the vendors buying merchandise during that time, or offering products that are different than those that are present in the market. The destiny of the funding is for acquisition of additional merchandise, inputs, and tools that will help them generate more business to sustain their families and give their children a better quality of life, since they are the reason that they are working. In the expectations of each member of the group is to be able to succeed in their businesses with better merchandise and increase profits every day to be able to live better.
El grupo "Gaviotas" esta representado por la señora Viviana y conformado por 12 miembros que van cursando su tercer ciclo con optimismo y responsabilidad en sus pagos. Dentro del grupo existen socias que se dedican a la venta e productos como comida, cosméticos, ropa de cama, ropa de niños y otras se dedican al servicio domiciliario. En cuanto al entorno competitivo siempre esta presente pero las socias se esfuerzan por salir adelante en sus pequeños negocios saliendo mas temprano que el resto de las vendedoras comprando mercadería de la época u ofreciendo productos diferentes a los que han en el mercado. El destino del financiamiento es para la adquisición de mercadería, insumos y herramientas que ayuden a generar un mejor ingreso para el sustento de sus familias y para poder brindarles una mejor calidad de vida a sus hijos que son su razón para trabajar. Dentro las expectativas que tienen cada miembro del grupo esta el de poder sacar adelante sus negocios con mayor mercadería y mejorando sus ingresos cada día mas para poder vivir mejor.
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.