R. Robert is the leader of Kabirizi Kwetungura Group A in Kihihi. He is 51 years old and married with 10 children, all above 3 years. Robert is a farmer from Kabirizi-Byumba and deals mostly in tea growing; he also has a banana plantation from which he sells tea leaves and matooke, respectively. He sells the tea leaves to the tea factory and the matooke to the market in Butogota. He is able to make 300,000/= as a monthly income, and with this he is able to expand and diversify his business ventures. Robert is also involved in the sale of beans and goats, all from capital earned from his farming business as a result of determination and good focus. He needs a loan to be able to improve and modernize his farm.
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.