Camino Al Exito Group

CAMINO AL ÉXITO (Road to Success) COMMUNAL BANK

Rubi Dolorier is engaged in the making and repair of clothing. She began learning this skill at a very young age. Then, when her children were born, it was necessary to work and help with the family expenses; so she put into practice what she had learned. She began making repairs to clothing that was taken to her house and, after some time, began making and selling clothes for her friends and neighbors. Since Rubi already has experience in this field she is teaching other members so that they are able to have extra income for their households. She is the president of the Communal Bank.

The treasurer is Constantina Palpa. For 10 years, she has had a shop. She began her business selling on an itinerant basis. This was a very difficult situation until the municipality provided an area where all the itinerant businesses could establish themselves. It was there that she acquired a stall and put in her shop, the business that she has operated until now, but that is not all she does. In her free time, Constantina crochets bags. She learned this in a market where she brought yarn for weaving. She makes different types of bags, and now she and other persons have the opportunity to export these to Mexico and Venezuela.

Orfelinda operates her business according to the season. In the summer, she sells cold drinks. In the winter she sells hot chocolate or mate. She is the group’s secretary.

All are responsible and consider themselves fortunate because by means of honorable work they can offer their families the necessities of life. They need this loan in order to continue investing in their businesses.

Translated from Spanish by Richard Brown, Kiva Volunteer

ALCANCIA COMUNAL CAMINO AL ÉXITO

Rubi Dolorier se dedica a la costura y compostura de prendas de vestir, ella empezó capacitándose desde muy joven, luego cuando nacieron sus hijos tuvo la necesidad de trabajar y colaborar con los gastos familiares, es por ello que puso en práctica lo aprendido, empezó haciendo compostura de ropa que llevaban a su casa, y tiempo después confeccionando y vendiéndola entre sus familiares y vecinos. La socia ya tiene experiencia en ese rubro es por eso que enseña a sus compañeras para que puedan tener algún ingreso extra para su casa, ella es la presidenta de la Alcancía Comunal.
La tesorera es Constantina Palpa tiene un bazar hace 10 años, ella comenzó su negocio vendiendo ambulatoriamente, fue muy difícil esa situación hasta que municipalidad les otorgo un terreno donde podían establecerse todos los ambulantes, fue ahí donde ella adquirió su puesto y puso un bazar, negocio que hasta hoy mantiene, pero eso no es todo en lo que ella se desempeña ya que en sus momentos libres Constantina teje bolsos a crochet eso lo aprendió en un mercado donde compra sus hilos para tejer, hace diferentes tipos de bolsos que ahora ella y otras personas tienen la oportunidad exportar a México y Venezuela.
Orfelinda tiene su negocio según la estación en verano, vende bebidas heladas, pero en invierno vende chocolate o mates calientes ella es la secretaria del grupo.
Todas son responsables y se consideran especiales porque mediante trabajos honrados pueden brindar a sus familias lo necesario, pero también necesitan el crédito para seguir invirtiendo en sus 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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