Horizonte Group

The group “Horizonte” (Horizon) consists of 12 cheerful and hardworking people. They have been friends for a long time and their ages range from 19 to 63. Rulifelfi, who serves as the group president, has two small children who attend elementary school. Just like her peers, she has her own business, which happens to be selling raw chickens in her neighborhood. The other members of the group have retail businesses selling clothing for adults, lingerie, groceries, and prepared foods. Some of them sell from fixed locations while other sell door-to-door. Even though they have competitors, these women have loyal customers who constantly buy their products. Whenever they face difficulties, they diversify their businesses in order to generate income. Some of the members work part-time jobs with a fixed salary, such as housekeeping, while they manage their businesses the remainder of the time. Other members want to take advantage of special offers on cosmetics purchased by catalog so that they can increase their inventories, generate more income, and provide their families with a better quality of life.

The group is starting its third loan cycle. Each member has demonstrated responsibility, honesty, and a desire to succeed. Most of all, they possess unity, which is essential for working in a solidarity group.

Translated from Spanish by Ronan Reodica, Kiva Volunteer

El grupo “Horizonte” esta conformado por 12 personas alegres y trabajadoras, tienen una amistad desde hace mucho tiempo y sus edades varían desde 19 hasta 63 años. La presidenta Rulifelfi tiene 2 hijos pequeños los mismos van a la escuela primaria, ella al igual que sus compañeras se dedica a la venta de productos como pollo crudo en su barrio, el resto de los miembros del grupo se dedica a la venta de ropa nueva para personas adultas, venta de ropa interior, venta de abarrotes y venta de comida; algunos de sus puestos de venta son fijos y otras son ambulantes. Sus competidores de negocios están presentes, pero las señoras tienen clientes fieles que adquieren productos constantemente, en caso de dificultades en sus negocios, diversifican su actividad comercial para obtener ingresos, algunas de ellas empiezan a trabajar medio tiempo con un sueldo fijo en actividades de limpieza de viviendas y el otro medio tiempo atienden su negocio. Las socias quieren aprovechar las ofertas de cosméticos por catálogos adquiriendo más mercadería e insumos para generar un mayor ingreso para poder brindar a sus familias una mejor calidad de vida. Este grupo esta emprendiendo su tercer ciclo. Las socias esta emprendiendo su tercer ciclo demostrando ganas de salir adelante, responsabilidad, honradez y sobre todo unión que es lo esencial en un grupo solidario. Este grupo esta emprendiendo su tercer ciclo demostrando ganas de salir adelante, responsabilidad, honradez y sobre todo unión que es lo esencial en un grupo solidario.


About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more

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