The Communal Bank “S.N. Jose” is led by Sra. Virginia and consists of 15 members (13 women and 2 men) who live in the same area.

Sr. Hugo is the father of three school-age children. He works as a mechanic and helps his wife at night with selling soft drinks and milanesas (breaded meats) from the corner of their house. His oldest son is 15 years old and in charge of looking after his younger siblings while he and his wife are running their business. Don Hugo is a man who has maD. many sacrifices. He is currently saving so that he can have a more comfortable home and proviD. his family with a better place to live. For this reason, he continues to work so that he can fulfill his greatest dreams of seeing his children become professionals and providing them with a decent and comfortable home.

The rest of the members are engaged in different business activities involving public transportation, roasted chicken sales, motorcycle taxis, soft drink sales, clothing, bread, empanadas, shoes, and housekeeping services. The competition that exists among their businesses is not as difficult since each member's business is well segmented and has its own distribution channels for selling and offering products. Their businesses are situated in strategic locations. The members who sell cosmetics have steadily built up their clientele and have been working for many years with their products.

This loan will be designated for investment in their various works. Some members are starting new businesses. Others are changing out their inventory based on the season and the market conditions of supply and demand. Most of the members only heard about the availability of these loans through their group, so they are taking a training course in which they are instructed in how credit works and the expectations the Institution has for each of its members. Some members are very knowledgeable already since this is an experienced group that has worked previously with another institution.