The loan they will take out will benefit small businesswomen of which Cristina is an example. She says she joined Pro Mujer a year ago after being invited by a friend who is a member of the institution. Currently she runs a business selling hair clips. She says she started this business several years ago after noticing that a lot of this type of product is sold in the market. For this reason she has been working with the same products for 30 years.
The loan she is now taking out is to increase capital to buy hair clips which she will buy from the wholesale stores in the city of El Alto and will then sell in her business. This kind of work allows her to generate income to maintain her household, since she is a widow and has 2 children.
When asked what she likes about Pro Mujer, she says she likes the training in loans and health.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Cristina es integrante, ella indica que hace un año que integra Pro Mujer, ingresando por invitación de una amiga que es socia de la institución. En la actualidad ella tiene un negocio de venta de sujetadores de cabello; cuenta que este negocio lo emprendió hace varios años atrás al observar que estos productos eran altamente comercializados en el mercado, es por ello que ya trabaja con los mismos productos hace treinta años.
El crédito que ahora sacará es para el aumento de capital (compra de sujetadores para cabello) que adquirirá de las tiendas mayoristas de la Ciudad de El Alto y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantenerse en lo posible ya que ella es viuda y tiene dos hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gustan las capacitaciones en salud y crédito.
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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