Las Comadres (Cuenca) Group
One of the members of this group is Sra. Gladys. She is participating in her third loan along with her friends and fellow group members of “Las Comadres”. Gladys likes this form of credit because she gets to meet with the other group members and establish a daily work routine with them.
Sra. Gladys is 33 years old, in a common-law relationship, and has three children (ages 11, 6, and 3). Her two oldest children attend a small school in the city. Her husband works for a private company. They do not own a home, so they live in a rental property.
Doña Gladys has managed her own business for eight years. She sells shoes as a street vendor. Gladys works Monday through Friday, but without a set schedule. Her work enables her to look after her family and still contribute to the household finances. The money from her loan will be invested in the purchase of shoes. Her goal is to have her own shop where she can sell her merchandise.
Una de las socias de este grupo es la Señora Gladys, está realizando su tercer crédito a lado de sus amigas y compañera del grupo de crédito Las Comadres, le gusta esta forma de créditos porque en cada reunión se encuentra con sus compañeras y salen de sus rutinas diarias de trabajo.
La Señora. Gladys tiene 33 años de edad, vive en unión libre y ha concebido 3 hijos de 11, 6 y 3 años, sus dos primeros hijos están estudiando en una escuelita de la ciudad. Su esposo labora como empleado privado, no tienen casa propia por lo que viven arrendando.
Doña Gladys desde hace 8 años tiene su propio negocio, ella se dedica a la venta ambulante de calzado, labora de lunes a viernes sin un horario fijo. Este trabajo le permite estar pendiente de su familia y aportar a la economía de su hogar.
El dinero de su crédito va a invertir en la compra de calzado.
Su meta es tener su propio local 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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