Las Bandidas (Cuenca) Group
Delia is a member of this group. She is taking out her second loan with her fellow group members and friends. She likes her community bank because of the cohesion and friendship that exists between its members.
Delia is 52 years old, married, and has six children from her marriage. Three of her children are married and live independently. Two work and help her out financially and the youngest is both attending school and working. They do not own their own home but live in a family member's house. Delia's husband works as a day laborer.
Delia works from Monday to Saturday in a sewing workshop belonging to one of her married daughters. She does not work fixed hours. In her free time, she sells clothing. She makes her sales as an itinerant street vendor.
Delia will invest her loan money in buying clothing in order to increase her stock levels. Her goal is to have her own business premises from which to sell her merchandise.
Una de las socias de este grupo es la Señora. Delia, está realizando su segundo crédito a lado de sus compañeras y amigas del banco comunal Las Bandidas, el banco comunal le gusta por la unión y el compañerismo que existen en el grupo.
Ella tiene 52 años de edad, está casada y fruto de su unión conyugal ha concebido 6 hijos, tres de sus hijos son casados y viven independientes, dos trabajan y le ayudan económicamente, y su último hijo estudia en el colegio y trabaja. No tienen casa propia por lo que viven en casa de un familiar, su esposo labora a diario como jornalero.
La Señora. Delia trabaja de lunes a sábados sin un horario fijo en un taller de costura que es de una de sus hijas casadas, en sus tiempo libre se dedica a la venta de ropa, esta actividad la realiza ambulantemente.
El dinero de su crédito va a invertir en la compra de ropa para aumentar su mercadería.
Su meta es tener un local propio para vender su mercadería.
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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