Norma Marlen Zelaya Cruz's Group

The Hermanas Unidas group is formed by 3 hard-working and kind women. They are very dedicated to their businesses. More details about how they earn their livings follow:

Norma Zelaya is 33 years old and is the coordinator of the group. She's married to Mr. Henry Licona who right now is living in the U.S. and who sends her money each month to pay for the kids' education and some of the household expenses. They have 3 children and all are in school. Norma makes and sells bread and cookies, specifically "semitas," a local sweet bread, and various kinds of cookies and pastries. She distributes her products to different grocery stores in the area. Her business helps her to not depend on her husband and helps her to earn money to take care of her family. Norma needs the loan to buy a commercial mixer to make her work go more quickly and therefore be able to fulfill all of her clients' requests.

Wendy Fortin is 24 years old and is married to Mr. Roberto Espinoza with whom she has a three-year-old son. Wendy makes and sells tortillas. She needs the loan to buy a tortilla machine as there is a lot of demand for her products and she cannot make enough to keep up with demand. The machine would save her a lot of production time.

Santos Leonor Zelaya is 40 years old and is a single mother. Her children have already graduated from high school. Santos has supported her children through the sale of tortillas. She needs the loan to buy materials to make tortillas as she now has to buy supplies frequently which makes her lose time and money and she gets behind in production.

All of the women need the loans to help their families and businesses to get ahead.

Translated from Spanish by Kristina Howe, Kiva Volunteer

el grupo hermanas unidas lo integran 3 mujeres las cuales son muy trabajadoras y simpaticas, ellas son muy dedicadas a sus negocios, a continuacion se detalla las actividades que ellas realizan para ganarse la vida:
Norma Zelaya tiene 33 años de edad, es la coordinadora del grupo, esta casada con el Sr. Henry Licona. su esposo en estos momentos esta viviendo en USA y le manda mensualmente dinero para que pague los estudios de sus hijos y tambien para algunos gastos del hogar. ellos tienen 3 hijos y todos estan en la escuela.
Norma se dedica a la elaboracion y venta de pan y galletas como ser: semitas, galletas de varios sabores y pasteles. Su producto lo distribuye en diferentes pulperias de su zona, dicha actividad le ayuda a no depender de su esposo y ganarse dinero para el sustento de su hogar y de su familia. norma necesita el credito para comprar una batidora industrial para hacer mas rapido su trabajo y asi poder cumplir con todas las exigencias de sus clientes.
Wendy Fortin tiene 24 años de edad, esta casada con el Sr. Roberto Espinoza con quien tiene un hijo de 3 años, Wendy se dedica a la produccion y venta de tortillas, ella necesita el credito para comprar una maquina para elaborar tortillas, ya que tiene mucha demanda su producto y no se da abasto para cumplir con todas las exigencias de sus clientes, esta maquina le va a ahorrar mucho tiempo de produccion.
Santos Leonor Zelaya tiene 40 años de edad, es madre soltera, sus hijos ya estan graduados de la secundaria, Santos a mantenido a sus hijos a pura venta de tortillas, necesita el credito para comprar mas materiales para elaborar las tortillas ya que tiene que estar comprando a cada rato y esto hace que pierda tiempo y dinero, ademas que se atrasa en la produccion.
todas ellas necesitan el credito para salir adelante con sus familias y negocios.


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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