Esperanza Divina Group
The loan they are taking out will benefit the small microfinances where Carmen works. She states that for a year she has been a part of Pro Mujer, entering through the invitation of a promoter in the institution. Now she has a business selling small cakes. She began this business years ago with the help of sister-in-law, who taught her the techniques, after which she began her own business.
The loan which she will receive is to increase capital (the purchase of icing) which she will acquire from bulk stores and later sell from her stand. This form of work permits her to generate income to support her home because she lives in a civil union with three children.
When asked what she likes about Pro Mujer, she says she likes the training by credit advisers.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Carmen es integrante, ella indica que hace un año que integra Pro Mujer, ingresando por invitación de una promotora de la institución. En la actualidad ella tiene un negocio de venta de masitas; cuenta que este negocio lo emprendió hace años con la ayuda de su cuñada, la que le enseñó la técnica, posteriormente emprendió su propio negocio.
El crédito que ahora sacará es para el aumento de capital (compra de cremas pasteleras) que adquirirá de las tiendas de venta por mayor y posteriormente a la elaboración lo comercializará en su puesto de venta. Esta forma de trabajo le permite generar recursos para apoyar en lo posible a su hogar pues ella vive en unión libre y tiene tres hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta las capacitaciones de las asesoras de crédito.
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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