A loan of $2,075 helped a member purchasing seeds and fertilizer for planting alfalfa.

Union Collana Group's story


This communal bank is made up of eleven micro-entrepreneurs, most of whom are farmers. The members manage to support their families through their businesses, and one of their many goals is to provide the best for their families.

Let’s hear the testimony of Adrían, who has been the group’s treasurer for more than two-and-a-half years. He has been a farmer for over ten years. His parents gave him some land that he uses to plant alfalfa—this is the crop that he produces the most and gets the most return from, since it is harvested six times a year. Like all parents, he wants to provide the best for his two children, aged 11 and 6 years old. He also grows fruits such as apples and quinces along with other crops that include corn, peas, spinach, and potatoes. He needed a loan in order to purchase seeds, fertilizer, pesticides, and herbicides. He sells his produce to wholesale buyers from the market. Adrían and his wife share the expenses of educating their children and providing them with clothes and food. They have even purchased some electrical appliances that they didn’t have before when they didn’t earn profits from their sales, such as a TV, a DVD player, and audio equipment.

There was a period when the region was hit by unexpected natural disasters in the wake of a flash flood, which made transport difficult—the journey (for the wholesale buyers) took three days by truck—and Adrían had to sell off his produce to make up for some of the investment. The loan that he needs now is for purchasing seeds and fertilizer for planting alfalfa, and hiring farm workers to plow and irrigate the land. Working thus allows him to earn money for his family.

In this group: Elvira Luzgarda, Jesus Luzmila, Toribio Joaquin, Luis Marcelo, Renee Martha, Adrian Donato, Gloria Gregoria, Alex William, Ruben*, Pedro Nemesio, Roberto Carlos*
*not pictured

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Translated from Spanish by Kiva volunteer Chris Knutson

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