Paulina’s married. She’s 35-years-old and completed fifth grade in elementary school. She has two children neither of which is attending school. She has a general store that she started with very little capital. To date, she has 7 years’ experience and has her husband’s support; he’s in the same business.
She organized a group to request a loan to buy stock merchandise like soft-drinks, snacks, dairy products, energy drinks, canned goods, etc. to stock her store. She hopes in future to have a bigger store that’s the largest in her location with many customers. The other group members work in agriculture, commerce and have general stores.
La señora Paulina esta casada, tiene 35 años de edad, cursó los 5 años de educación primaria, tiene 2 hijos de los cales ninguno esta estudiando, se dedica a la atención a una tienda en general, inicio este negocio con poco capital, hasta ahora lleva 7 años de experiencia, cuenta con el apoyo de su esposo quien se dedica al mismo trabajo.
Organiza un grupos para poder solicitar un prestamos que lo utilizara para la compra de productos para su tienda, gaseosas, jugos, golosinas, lácteos, energizantes, embutidos, etc. espera en el futuro tener un negocio amplio y la mas grande de su localidad, y muchos clientes. Las demás integrantes del grupos se dedican al comercio, agricultura, y a la atención a tienda en general.
About Asociación ASDIR
ASDIR (Asociación de Desarrollo Integral Rural - Association for the Development of Rural Communities) is a community-based organization that works to promote development in the villages and communities where it serves. It was founded in 1999 in the village of Nimasac, Totonicapán Department, by a handful of local men and women to support community projects and group loans. Today ASDIR has 5 offices across 3 departments (Totonicapán, Sololá and Suchitepéquez) serving more than 6,000 clients, most of them in rural communities.
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.