María Ramona is married and is 52 years old. She never went to school. She has six children one of which is in elementary school. She is a weaver. She makes pants, blouses, skirts, etc. She started the business wanting to improve herself and borrowing a bit of capital. To date, she has 12 years’ experience and hopes to enlarge the business in the future and to have a wiD. variety of clothes on sale. She decided to organize a group to request a loan that will serve to buy fabric of different types and colors. The other group members carry out various activities, such as: making pants, skirts, and blouses, weaving sheets and raising animals.
La señora Maria Ramona es casada, tiene 52 años D. edad, no tuvo la oportunidad D. estudiar, tiene 6 hijos 1 D. los cuales estudia el nivel básico D. educación, se dedica a la confección D. tejidos: pantalones, blusas, faldas, etc. Inició este negocio con deseos D. superación y prestando un poco D. capital, y hasta el momentos lleva 12 años D. experiencia, en el futuro espera agrandar su negocio y tener variedad D. ropa para la venta. DeciD. organizar un grupo para solicitar un préstamo que le servirá para comprar telas D. diferentes clases y colores. Las demás integrantes D. grupo se dedican a las actividades D.: Confección D. pantalones, faldas, blusas, tejido D. sabanas, y a la crianza D. animales.
About Asociación ASDIR
ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.
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.