Thelma Marilu has a partner. She is 42 years old and completed primary school. She has six children, four of whom are studying. Thelma makes a living selling clothes for children. She started this business with a loan and now has three years of experience. She receives support from her husband, who is a dentist.
Thelma has organised a group and decided to apply for a loan in order to increase her working capital. She will use this to buy more merchandise to stock up her business and satisfy her customers' needs. In the future, Thelma would like her business to be big and generate good profits. The other members of the group make a living selling clothes.
La señora Thelma Marilu de estado civil unida de hecho, cuenta con 42 años de edad, de escolaridad primaria completa, tiene 6 hijos y 4 de ellos estan estudiando, ella se dedica a la venta de ropa para niños, inició este negocio con un préstamo y hasta el momento lleva 3 años de experiencia. Cuenta con el poyo de su esposo quien se dedica a odontología.
Organiza un grupo y decide solicitar un préstamo que lo utilizará para ampliar su capita de trabajo comprando mas mercadería para surtir la venta y asi poder satisfacer las necesidades de sus cliente, en el futuro desea que su negocio sea grande generándole buenas ganancias; las demás integrantes del grupo se dedican a la venta de ropa.
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.