Guandugloma (Nabón) Group
One of the members of this group is María Emerita. This is her third cycle in Guandugloma communal bank. She’s 34-years-old, married and has had five children who are 16, 10, 8, 5 and 2 years old. Her oldest son attends secondary school and three of them attend a local elementary school. Her husband works every day as a laborer and the house they live in is theirs.
María Emerita works very hard every day planting and harvesting on her land. What she harvests is used for her home’s daily consumption and also is sold. She raises animals like sheep, chickens and guinea pigs that she sells in her community. She will use the money to buy chickens, guinea pigs, seeds and manure. Her goal is to have a larger animal nursery.
Una de las socias de este grupo es la Señora. María Ermita, este es el tercer crédito que realiza en el banco comunal Guandugloma. Tiene 34 años de edad, está casada y en su unión conyugal ha concebido 5 hijos de 16, 10, 8, 5 y 2 años de edad, su primer hijo estudia en el colegio y tres estudian en una escuela de la localidad. Su esposo labora a diario como jornalero, la casa en la que viven es propia.
Doña María Ermerita trabaja diariamente muy arduo en la siembra y cosecha de sus terrenos, lo que cosecha utiliza para el consumo de su hogar y también las vende, cría animales como ovejas, gallinas, cuyes a los que los vende en su comunidad.
El dinero de su crédito lo va a invertir en la compra de gallinas, cuyes, semillas y abono.
Su meta es tener un criadero más grande de animales.
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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