The group "Jardin" is lead by Martha. She produces and sells milk, just like the rest of her partners in the group. The members hand over their raw milk to the processing plant (PIL), but they also manufacture some milk-derived products themselves, including yogurt, small cheeses, and similar foods, and sell these items directly to their customers. In spite of the competition they face from other companies in the dairy market, the ladies of the group succeeded in selling their natural products directly to customers in the market. They will use this loan to acquire more dairy cows to increase their production and improve their income. The members have previous experience working with group loans, and understand the responsibility and punctuality demanded of them by their financier. They promise to manage their resources properly and to fulfill their obligations to the foundation.
EL GRUPO "JARDÍN " ESTA REPRESENTADO POR LA SEÑORA MARTHA QUIEN SE DEDICA AL LA VENTA Y PRODUCCIÓN D. LECHE AL IGUAL QUE EL RESTO D. SUS COMPAÑEROS D. GRUPO, ELLOS ENTREGAN SU PRODUCCIÓN A LA PLANTA PROCESADORA D. LECHE (PIL), PERO LOS SOCIOS (AS) TAMBIÉN ELABORAN ALGUNOS D. LOS DERIVADOS D. LA LECHE PARA LA VENTA DIRECTAMENTE AL CONSUMIDOR COMO EL YOGUR CASERO, QUESILLO Y OTROS. PESE A EXISTIR COMPETENCIA EN EL MERCADO LÁCTEOS LAS SEÑORAS LOGRAN VENDER SUS PRODUCTOS NATURALES DIRECTAMENTE EN EL MERCADO. EL DESTINO D. ESTE CRÉDITO ES PARA LA ADQUISICIÓN D. MAS VACAS LECHERAS PARA AUMENTAR SU PRODUCCIÓN Y MEJORAR SUS INGRESOS. LOS SOCIOS (AS9 YA TIENE EXPERIENCIA TRABAJANDO CON GRUPOS SOLIDARIOS POR LO QUE SABEN D. LA RESPONSABILIDAD Y LA PUNTUALIDAD QUE EXIGE UN FINANCIAMIENTO POR LO QUE SE COMPROMETEN A ADMINISTRAR BIEN SUS RECURSOS Y A CUMPLIR SUS OBLIGACIONES CON LA FUNDACIÓN.
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.