The loan requested will benefit small micro-businesses of which Cielo is a member. Cielo points out that she joined Pro Mujer three loan cycles ago, at the invitation of a friend who is a member of the institution. She currently has a business selling cosmetics; she started this business with her first loan through Pro Mujer and it helped her to pursue higher education.
The current loan will be used to increase her capital (to purchase cosmetics wholesale) which she will obtain from wholesale distributors in the city of El Alto. She will then sell them to special order. This type of work allows Cielo to earn money to fund her studies. When asked what she likes about Pro Mujer, she says that likes the health clinic.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Cielo es integrante, ella indica que hace tres ciclos que integra Pro Mujer, ingresando por invitación una amiga que es socia de la institución. En la actualidad ella tiene un negocio de venta de cosméticos; este negocio lo emprendió con el primer préstamo obtenido en Pro Mujer ya que este negocio le ayudo a realizar sus estudios superiores.
El crédito que ahora sacará es para el aumento de capital (compra de cosméticos por mayor) que adquirirá de las empresas distribuidoras por mayor de la ciudad de El Alto y posteriormente lo comercializará a pedido. Esta forma de trabajo le permite generar recursos para sostener sus estudios.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el área de salud.
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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