Brenda is 30 years old. She is single and only has a high school education. She says that three years ago she decided to start her own business to earn a little more money so that she could contribute toward her household expenses. She started selling shoes through catalogs to her friends and neighbors, and gradually gained more customers. She even goes out to sell in neighboring communities. Brenda takes orders for her products. She goes out in the afternoons to show her catalogs to her customers who choose what they like the most and, when she has several orders, she supplies and delivers them. Brenda is happy because this business has not only given her the opportunity to earn money but has also allowed her to meet people and make new friends. She will invest this loan in buying a range of shoes and catalogs so that she can continue making her sales. Brenda hopes that this investment will increase her profits and, in the future, she would like to be able to set herself up in business premises where her customers can come to buy their shoes.
Brenda is a member of a group called Jardines del Bosque which has seven members. The members decided to give the group this name because it is the name of the place where they live. The other members of the group are: Verónica, who sells snacks; Silvestra, who sell snacks; Hugo, who sells clothing; Reyna, who buys and sells scrap metal; Leticia, who sells tacos, and Castor who works as a carpenter.
Brenda tiene la edad de 30 años, solo estudio la secundaria y es soltera, ella platica que hace tres años decidió emprender su propio negocio para ganar un poco mas de dinero y poder contribuir con el gasto de su hogar, así que inicio a vender zapatos por catalogo con sus amigos y vecinos, ella poco a poco a ganado mas clientes e incluso sale a vender a comunidades cercanas, sus ventas son sobre pedidos, ella sale por las tardes amostrar su catálogos para que sus clientes escogen los que mas les gusten y cuando ya tiene varios pedidos los surte y entrega. Ella esta contenta porque este negocio no solo le ha dado la oportunidad de ganar dinero sino también de conocer gente hacer nuevas amistades, ella invertirá este crédito en la compra de variedad de zapatos y catálogos para continuar con sus ventas, Branda espera que con esta inversión sus ganancias aumenten y a futuro le gustaría poder establecerse en un local al cual sus clientes acudan a comprar sus zapatos.
Brenda es miembro de un grupo llamado Jardines del Bosque el cual esta integrado por 7 personas, ellos decidieron poner este nombre al grupo porque es el nombre del lugar donde viven, los demás integrantes son: Verónica venta de antojitos, Silvestra venta de antojitos, Hugo venta de ropa, Reyna compra y venta de fierro viejo, Leticia venta de tacos y Castor servicio de albañileria
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.