Banco Mujer Mujeres En Acción Group
Update on Banco Mujer Mujeres En Acción GroupProfile: Banco Mujer Mujeres en Acción
Fray Casiano Puntarenas
Communal bank Mujer Mujeres en Acción has 5 members who have previously worked with Fundación Mujer and other institutions in the Puntarenas area, showing strong administration skills, solidarity, and teamwork, while also saving and running a tight organization. The applicants have been working in the area for 5 years. As communal bank Mujer Mujeres en Acción, they have met twice: first, to train and instruct the others in the Banco Mujer group's structure; and second, to draw up the loan application on which the board is named and the group is recognized.
Banco Mujer Mujeres en Acción has diverse and joint businesses, allowing it a strong base on which to guarantee this loan. The members know how to generate income from each activity and understand the concepts of teamwork, joint responsibility, and saving. Their work and effort is supported by institutions such as Instituto Mixto de Ayuda Social and Fundación Mujer, which has allowed them to manage joint businesses (a grocery store, bazaar, and Internet cafe) and maintain staff, locations, and equipment for their micro business. This loan will be used to invest in seasonal and Mother's day merchandise and repair some equipment in the Internet cafe.
These women are empowered, dedicated, and very hardworking. Teamwork has made the organization itself strong and been an excellent strategy to keep the business going over the past 5 years. Their solidarity and collaboration with one another and others makes them stand out in their community as women who know how to provide great service to Barrio Fray Casiano, the area in Puntarenas province where they live. They have been leaders in Barrio Fray Casiano in Puntarenas, an area plagued by poverty and social problems such as drugs and crime. These women try to support the younger women like Giannina y Karol in finding work and earning the money to support their households and families.
Fray Casiano Puntarenas
Banco Mujer Mujeres en Acción está formado por 5 integrantes quienes han trabajado en años anteriores tanto con Fundación Mujer como en otros grupos de la zona de Puntarenas, demostrando organización, solidaridad, trabajo en grupo, además de mantener un ahorro y una organización consolidada.
Las solicitantes del préstamo grupal tienen 5 años de trabajar en la zona. Con el Banco Mujer Mujeres en Acción se realizaron 2 reuniones; primero capacitando e instruyendo a las demás en la modalidad del crédito grupal de Banco Mujer y segundo formalizar las solicitudes de crédito. Para lo cual se conformó la Junta Directiva y se levantó el acta de formación de este grupo.
Banco Mujer Mujeres en Acción presenta actividades diversas y consolidadas permitiendo tener una base importante para garantizar este préstamo. Las integrantes tienen claro cómo llevar la generación de ingresos de cada una, tienen los conceptos de trabajo en grupo, garantía solidaria y ahorro. Su trabajo y esfuerzo está validado con el apoyo de instituciones como el Instituto Mixto de Ayuda Social y Fundación Mujer, quien les ha permitido tener actividades consolidadas (pulpería, bazar y café Internet), contando con equipo, local y mobiliario para su microempresa. Esté crédito les va a permitir invertir para medio año y el día de la madre, incrementar su inventario de mercadería y arreglo de algunos equipos, en el caso del café internet.
Ellas son mujeres empoderadas, luchadoras y muy trabajadoras, el trabajo en grupo las ha hecho fuertes y la organización en sí, una buena estrategia para mantenerse en pie en estos 5 años. Su solidaridad y empeño para con los y las demás personas las destaca en su comunidad como mujeres que saben prestar un buen servicio al Barrio Fray Casiano, lugar al cual pertenecen en la provincia de Puntarenas.
Han participado como líderes en el Barrio Fray Casiano de Puntarenas un lugar con altos índices de pobreza y problemas sociales como drogas y delincuencia. Estas mujeres tratan de apoyar a otras más jóvenes como Giannina y Karol a buscar en el trabajo y esfuerzo, ganar el dinero para mantener sus hogares y a sus familias.
Previous Loan DetailsBanco Mujer Profile: “Mujeres en Acción” [Women in Action] Fray Casiano Puntarenas November 2011 Xinia is the president of this group and runs a small general store. Her interest in this loan is to increase her sales due to the high season that takes place at the end of the year. She is 40 years... More from Banco Mujer Mujeres En Acción Group's previous loan »
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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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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