Banco Mujer Valientas Y Luchadoras Group
She found out about the services provided by Fundacion Mujer (Kiva Field Partner) through a neighbor in her community. This is the first loan which she requests from this group. She is dedicated to agricultural activities, such as raising livestock and planting some cultivations. She wants to invest the loan in the purchase of poultry, concentrated food, feed, and vitamins for them. She has a great deal of farm experience and she has the support of her entire family.
The primary obstacle she has had to face is the lack of funds to purchase raw materials. She does not have a stable market to sell her products and the drop in prices at which she is forced to sell these products.
Ana needs to start her days very early in order to attend to the household work, such preparing food for her children who attend school. Later on she works alongside her husband all day taking care of the farm work.
Ana and her colleagues have many dreams and goals to attain. Among the most important is the dream of self-improvement, improving the financial condition of their families, and to expand their small businesses. A great dream is to create a cooperative that will accept all that they produce to sell in large quantities and at better prices. The loan will be a great help for her and 8 group-mates. They will invest in their businesses, such as poultry farming and pig farming.
Se enteró de los servicios de Fundación Mujer por medio de una vecina de la comunidad, está es la primera solicitud de crédito de este grupo, ella se dedica a actividades agropecuarias como cria de animales y siembra de algunos cultivos, va a invertir el crédito en la compra de pollos, concentrados, alimentos y vitaminas para estos animales; Tiene mucha experiencia en el trabajo de campo, y cuenta con el apoyo de toda su familia.
Los principales obstáculos que ha tenido que enfrentar es la falta de dinero para comprar materia prima, la falta un mercado fijo para comercializar sus productos y el bajo precio que se ve obligada a vender dichos productos.
El día de Doña Ana debe empezar muy temprano, para poder atender sus labores domésticas, preparar la comida para sus hijos que se van a estudiar, y luego junto con su esposo trabajar todo el resto del día en las labores del campo.
Ana y sus compañeras tiene muchos sueños y metas por cumplir; entre las más importantes está la superación personal, mejorar la condición económica de sus familias, ampliar sus microempresas, y su gran sueño es crear una cooperativa que les reciba todo lo que ellas producen y lo vendan en grandes cantidades a mejores precios. El crédito va ser de gran ayuda para ella y sus 8 compañeras del grupo que van a invertir en actividades como avicultura y porcicultura.
More information about this loan
In Costa Rica, funding for microfinance institutions is hard to come by, and many institutions find themselves having difficulty growing and reaching all the demand for loans that exist. Kiva works with Fundacion Mujer because it attends a very marginalized population in Costa Rica, with a specific focus on women. In addition to the loan, Fundacion Mujer provides specialized training programs for their borrowers on everything from computer classes to salon training. Because of the difficulty in obtaining capital in Costa Rica, Fundacion Mujer cannot serve all the women that need loans. Therefore Kiva plays a unique role in helping Fundacion Mujer grow its portfolio and reach borrowers it otherwise would not be able to.
About Fundacion Mujer:Fundación Mujer is an organization specializing in the financial and personal development of female entrepreneurs in Costa Rica. They seek to reach underserved populations that may include indigenous communities, immigrants, refugees, victims of domestic violence or women living with HIV/AIDS. Fundación Mujer offers courses in both business and personal development, as well as training in concrete skills such as sewing and other crafts.
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.
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