The "2 DE JULIO" communal association is starting its eighth loan cycle with Pro Mujer, as part of the Panamericana focal center. It is made up of eight members and is led by an executive committee, of which Mary is the president. The businesses that the members of the communal association operate are varied, and include: weaving sweaters, selling cable TV, selling shoes, selling fish, selling food, and sewing jackets. The loan that is being taken will benefit small microbusiness owners such as Mary. She says that this is the fourth year that she has belonged to Pro Mujer, after having been invited to join by an advisor from the organization who came to visit her in her home. She now has a business selling shoes. She says that she learned this business because she already knew the merchandise, having helped her mother sell shoes since she was a child. Later, after having her first child, she decided to start her own business. The loan will be used to increase her capital (by buying shoes wholesale) that she will acquire from markets on he border between Peru and Bolivia and then sell in her business. This type of work allows her to earn income to help support her family, as she is single and has three children. When asked what she likes about Pro Mujer, she responded that she likes the training in health and the loans that the organization provides.
La A.C. “2 DE JULIO” iniciará el octavo ciclo en Pro Mujer, como parte del Centro Focal de Panamericana, está compuesta por ocho integrantes y está dirigida por una mesa directiva donde la señora Mary es la Presidenta. Los negocios que las integrantes de la asociación comunal llevan adelante son variados entre ellos existen: tejido de chompas, venta de tele cable, venta de zapatos, venta de pescados, venta de comida, costura de chamarras.
El crédito que sacaran beneficiara a pequeñas microempresarias donde la señora Mary es integrante, ella indica que es el cuarto año que integra Pro Mujer, ingresando por invitación de una asesora de la institución que fue a visitarle a su casa. En la actualidad ella tiene un negocio de venta de zapatos; da a conocer que estos negocios los emprendió porque ya conocía la mercadería, ya que desde niña ayudaba a su madre a la venta de zapatos y posterior a tener su primer hijo decide emprender su propio negocio.
El crédito que ahora sacará es para el aumento de capital (compra de zapatos por mayor) que adquirirá de las ferias de la frontera de Perú y Bolivia y posteriormente lo comercializará en su espacio de venta. Esta forma de trabajo le permite generar recursos para mantener en lo posible a su hogar, ya que ella es soltera y tiene tres hijos.
Cuando se le consulta qué le gusta de Pro Mujer, ella responde que le gusta el área de capacitación en salud y crédito que le ofrecen en la institución.
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.