Azucenas Group


Status: Paid Back

$4,950.00   Loan Request
$4,950.00   Paid Back

About the Group

Group Name: Azucenas Group
Group Members: Concepción Mendoza
Carmen Hernandez
Catarina Mendez
Maria Socorro
Marilú Cortez
María Hernandez
Micaela Sicay
Encarnación Coche
Pascuala Mendoza
Dominga Perez
Eugenia Mendoza
Ana Pacay
Rosario Garcia
Marcela Hernandez
Rosario Ramos
María Mendoza
Natalia Mendoza
Angela Cholotio
Paula Tuch
Francisca Criado
María Coche
Vicenta Perez
Catarina Pantzay
Location: San Juan La Laguna, Sololá, Guatemala
Activity: Clothing Sales

About the Loan

Loan Amount: $4,950.00
Loan Use: Purchase of thread for the production of huipiles (Mayan women blouses).
Repayment Term: 11 months - View details below
Lenders Repaid: Monthly
Currency Exchange Loss: Covered
Date Listed: Dec 12, 2007
Date Disbursed: Dec 26, 2007
Date Funded:Dec 12, 2007
Loan Ended:Nov 1, 2008

About the Country

Country:Guatemala
Avg Annual Income:$4,155.00
Currency:Guatemala Quetzales (GTQ)
Exchange Rate:7.6974 GTQ = 1 USD



The Azucenas CommUnity (CommUnity is a term used by Friendship Bridge to refer to the Communal Banks) is composed of a group of women who surprise the inspectors with their organization and punctuality. Members of Azucenas always arrive to repayment and disbursement meetings on time, then proceed to sit down orderly and wait for the credit agent to assign their turn to speak, when everyting is in place. This organization is also evident in the financial aspect. These women have been working, collaborating and sharing for approximately seven years. The recipe for this Community to stay together for so long lays in the combination of different ingredients these women have combined, such as promptness of repayment, honesty, solidarity and trust.

Almost all the members of this CommUnity have been and are weavers. From a young age, they learned the backstrap loom weaving technique, producing naturally colored fabrics. They have learned to color threads using natural dyes, which they get from the mountains. They use the trunk of the banana tree to fix colors and the trunk of avocado, leaves from different bushes, medicinal plants and food ingredients to obtain the dyes. They learned these techniques, which have been passed on for generations in San Juan la Laguna, from their mothers and grandmothers.

They will invest the credit in buying thread wholesale, in order to decrease production costs. One of the women is a painter and she’ll use the loan to buy oil paint. María Coche Gonzales mentioned that her son is sick and she’ll have to make a great effort and invest half of the loan in her business and use the other half to buy medicines for her son.

Members of Azucena have several dreams. Marilú Jacinta Cortez pointed out that she wants to send her son, recently graduated from high-school, to college. For that she needs her business to keep prospering as it has been recently. Concepción Mendoza wants another loan because she would like her business to consolidate to the point where she’s able to buy a small lot of land for her son.

These women constitute an example for all the indigenous women in the region. Many years ago, they decided to become financially independent and support their respective husbands with extra money to cover household expenses.

Thanks to their effort they are reaching their goals, sending their children to school and providing them with a permanent roof and sufficient food, in order for them to advance. The Azucenas are a typical example of Guatemalan indigenous women, who set the well-being of their families above their own. Nonetheless, if their businesses grow and prosper in the way they have projected, that situation doesn’t have to continue, and all will be able to enjoy a good life. Help them!

One of the women was not able to be in the picture, due to health issues.

Translated from Spanish by Leticia Britos, Kiva Volunteer.



La ComUnidad Azucenas (ComUnidad es un término que utiliza Friendship Bridge para llamar a los Bancos comunales) está conformado por un grupo de señoras que sorprenden a los veedores por su organización y puntualidad. Las Azucenas siempre llegan a las reuniones de repago y desembolso a la hora exacta, luego prosiguen a sentarse en orden y esperan a que la agente de crédito les de la palabra inicial una vez que todo está en orden. Esta organización también se ve en el aspecto financiero. Estas señoras han venido trabajando, colaborando y compartiendo juntas desde hace aproximadamente 7 años. La receta para que esta ComUnidad haya permanecido junta por tanto tiempo es que esta señoras han combinado distintos ingredientes como: la puntualidad del repago, la honestidad, la solidaridad y la confianza.

Casi todas de las integrantes de esta ComUnidad han sido y son tejedoras. Desde pequeñas ellas aprendieron a tejer con la técnica de telar de cintura, telas teñidas con tintes naturales. Además, ellas aprendieron a teñir los hilos con tintes naturales. Estos tintes naturales las señoras los traen de las montañas. Ellas utilizan el tronco del banano como fijador de colores, el tronco del aguacate, hojas de arbustos, plantas medicinales e ingredientes de comida para sacar los tintes. Las técnicas que ellas utilizan las aprendieron de sus madres y abuelas. Son tradiciones que han sido aprendidas por generaciones en San Juan la Laguna.

Estas señoras van a invertir su crédito en comprar hilo al por mayor para reducir sus costos de producción. Una de las señoras es pintora. Ella va a utilizar el préstamo para comprar pintura óleo. María Coche Gonzales comentó que su hijo estaba enfermo. Ella va a hacer malabares para invertir la mitad de su crédito en su negocio y la otra mitad en comprar medicinas para su hijo.

Las integrantes de las Azucenas tienen varios sueños. Marilú Jacinta Cortez comentó que ella quiere mandar a su hijo recién graduado del colegio a la universidad. Lo único que necesita es que su negocio siga prosperando de la misma manera como ha venido sucediendo. Concepción Mendoza quiere otro préstamo porque quiere que su negocio se consolide al punto donde ella pueda ganar lo suficiente para poder comprar un terrenito para su hijo.

Estas señoras son un ejemplo para todas las mujeres indígenas de la región. Muchos años atrás ellas decidieron independizarse económicamente y apoyar a sus respectivos maridos con dinero extra para cubrir los gastos de la casa.

Gracias a su esfuerzo ellas están cumpliendo sus objetivos, mandar a sus hijos a la escuela y proveerles un techo permanente y suficiente comida para que puedan salir adelante. Las Azucenas son un típico ejemplo de la mujer indígena Guatemalteca, ellas ponen el bienestar de su familia por encima del de ellas. Sin embargo, si sus negocio crecen y prosperan de la manera como ellas han proyectado, esa situación no va a tener que suceder, ya que todos van a poder disfrutar de una buena vida. Ayúdenlas a salir adelante!

Una de las señoras no pudo estar presente en la fotografía por razones de salud.


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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Lenders to this group

Kay
Columbia, MD KivaFriends.org
United States

KIVA Shopping Club #1
KivaFriends.org, Birmingham, AL
United States

Caroline
La Conversion,
Switzerland

Penguin Project
Flushing, NY
United States

Nancy
Minneapolis, MN
United States

Steve & Denise
Santa Rosa, CA
United States

Frank
Belfast, Antrim
United Kingdom

Yogi
Jonesboro, AR
United States

Howard & Jillian
Vence,
France

Dennis
Copperas Cove, TX
United States

Claus-Peter
www.kivafriends.org,
Germany

Michele
Billerica, MA
United States

Margaret kivafriends.org
Fairfield County, Connecticut
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Scott
Groton, MA
United States

Christi
Scotts Valley, CA
United States

Jultomten
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Sweden

Sallie
Celebration, FL
United States

SV-Eberhard
Trier,
Germany

Jessica and Declan
Santa Monica, CA
United States

James
Sheboygan, WI
United States

Colin G. Haviland
Minneapolis, MN
United States

Steve & Natalie
Fort Laramie, WY
United States

David Margaret & Nicola
Kingston, Ontario
Canada

Ashlan
:o)
United States

Kathy
Boulder, CO
United States

Leeners Family
Uster,
Switzerland

Laurie
Seattle, WA, kivafriends.org
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E.B. Snowdon
Wheeling, IL
United States

Marcia
MacGregor, Manitoba
Canada

Anonymous
santa monica, CA
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M and L
St. Albert, Alberta
Canada

Anonymous
Park City, UT
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Chris
Verona, WI
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Emily's Family
Santa Barbara, CA
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Thomas
Winnetka, IL
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Judy
Sitka, AK
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Anonymous
Durham, NC
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Sherry
Tampa, FL
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Lou
Sanbornton, NH
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Mohamed
Bethesda, MD
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John and Merian
Sonoma, CA
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Anonymous
Englewood, CO
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Nehal
Philadelphia, PA
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Orion Jr. High
Harrisville, UT
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Anonymous
Woodside, CA
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Mark
atlanta, GA
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Paula
Powell River, British Columbia
Canada

Zane

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Burlington, Ontario
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Sarah
Los Angeles, CA
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Carol
Bow, NH
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Marina
Davis, CA
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Randi
N-9100 KVALOYSLETTA, Norway
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shelagh
Halifax, Nova Scotia
Canada

Jeanne
Costa Mesa, CA
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Elisabeth
London,
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Westmount, Quebec
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Kirkland, WA
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chardon
vancouver, b.c.
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Methuen, MA
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Jeanne
Milford, PA
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Eve Sanz
Brandon, FL
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David
Saint Louis, MO
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Nora
Ottawa, Ontario
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Fredrik
Stockholm,
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Jacqueline
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John
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Catherine
Arlington, TX
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Bill
Vinton, VA
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Lila
San Francisco, CA
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Romero-Rivera
indianapolis, IN
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kimberly
seal beach, CA
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Diane R
KivaFriends.org, Santa Clara, CA
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Adele
Albuquerque, NM
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Irene
Noordwijk, Netherlands
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Brad and Heather
Gainesville, FL
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John
Sedona, AZ
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Jinny
Cary, NC
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Katie
Phoenix, AZ
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Randy
Nanaimo, British Columbia
Canada

Katy&Scott
mandeville, LA
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jonathan
minneapolis, MN
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Santana/Sidney
Albuquerque, NM
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Clint & Janene
maple ridge, British Columbia
Canada

Anonymous
John Day, OR
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Patricia
Corvallis, OR
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Jean & Gary
Tempe, AZ
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Anonymous
Overland Park, KS
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Sarah
Hollywood, FL
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Layla
Wilmington, DE
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Dan and clan
Toronto, Ontario
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kathleen
kivafriends.org, KS
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Martin
New York, NY
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Peter
Irvington, NY
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Victoria
Chicago, IL
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Bjørn
Oslo,
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Bob & Amy
Rockford, IL
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Angus
Toronto, Ontario
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Michael Messina
Des Moines, IA
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Steve
Muskegon, MI
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Margerymiriam
Camden, OH
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Yumi
Williamstown, MA
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anne
New York, NY
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Wells
Santa Barbara, California
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Todd
Windsor, CA
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Anonymous
Clinton, SC
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Kathy & Kathy
Yonkers, NY
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Pamela
Hewitt, NJ
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Nine Cool Moms
Princeton, NJ
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Bernice
Tacoma, WA
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Ann
San Anselmo, CA
United States

Cheryl
North Bay, Ontario
Canada

Beth
Saint Petersburg, FL
United States

Maxine
Los Angeles, CA
United States



Journal entries for Azucenas Group


Loan has been disbursed
 
Entrepreneur: Azucenas Group
Location: San Juan La Laguna, Sololá, Guatemala

Thank you for your loan. It has been disbursed to Catarina Pantzay
Vicenta Perez
María Coche
Francisca Criado
Paula Tuch
Angela Cholotio
Natalia Mendoza
María Mendoza
Rosario Ramos
Marcela Hernandez
Rosario Garcia
Ana Pacay
Eugenia Mendoza
Dominga Perez
Pascuala Mendoza
Encarnación Coche
Micaela Sicay
María Hernandez
Marilú Cortez
Maria Socorro
Catarina Mendez
Carmen Hernandez
Concepción Mendoza by Friendship Bridge in Guatemala. We are excited to watch this business grow. Over the next 9 months, Friendship Bridge will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.


Posted by from San Juan La Laguna, Sololá, Guatemala
Dec 27, 2007
Comments (13)

update on the Azucenas Group
 
Entrepreneur: Azucenas Group
Location: San Juan La Laguna, Sololá, Guatemala

The women of the Azucenas Group met recently for their regular group meeting and to make payments on their loan. As the women arrive, each enters the room with a smile and gradually goes around the room greeting everyone there with a gentle handshake and a quiet ‘buenas tardes’ (good afternoon). As more arrive, the jokes start, and pretty soon the whole room is alive with laughter. These women are clearly good friends and have an amazing sense of community within their trust bank.

Everyone in this group has children, and all of them of school age are currently in school. The women report that they force their children to go to school and make them study hard because they are very serious about their children having a better life.

With the majority of these women working in weaving and embroidery, most of them used their loans to purchase thread. There are a few women who have little stores and used the credit to increase their inventories of daily consumption items such as beans, noodles, chips, and cookies. One woman makes tortillas and purchased a lot of supplies for that, while another is a painter and used her loan to buy paint. While loan repayment has been going fine, the women working in weaving report that sales have been really low recently. They say that they number tourists visiting the beautiful lakeside village of San Juan la Laguna has steadily decreased in recent years, along with their sales of beautiful traditional blouses, tablecloths, napkins, etc.

A few of the women have had more success; one has three employees working for her, another has four, and yet another has five employees working for her. These are big accomplishments for these women, who are proud to have expanded their businesses so much and are grateful for the additional income these larger businesses provide. They certainly attribute part of their success to their loans, as having access to more resources helps them increase production and therefore sales. They use their extra income first and foremost to pay for their children’s education and school supplies, and the rest they use to reinvest in their businesses.

The Azucenas Group women are also very appreciative of the informal education programs that Friendship Bridge offers. This group has been with Friendship Bridge for nearly seven years, and they say that they have learned a lot that they didn’t know before. Not only have they benefitted from the basic business administration and money management lessons, but they also all really enjoy other trainings, such as those on medicinal plants and, especially, on women’s rights. The Azucenas Group is a remarkable group of women who work hard and utilize their credit well to expand their businesses and improve the lives of themselves and their families.


Posted by Megan Montgomery from San Juan La Laguna, Sololá, Guatemala
Jun 20, 2008
Comments (6)

extra journal
 
Entrepreneur: Azucenas Group
Location: San Juan La Laguna, Sololá, Guatemala

Azucenas- San Juan La Laguna

Due to the rain i am stuck in San Juan la Lagun and decide to go and interview some members of the Azucenas group.

I hope you lenders are not annoid by this extra Journal

I am taken to the house of Encarnacion Coche Mendoza bij her loan officer called Maria. We wonder through the small back streets of San Juan La Laguna, A beautifull village at the Atitlan lake. San Juan is a very well organised and clean village thanks to the town mayor. At this moment all the cobblestone streets are taken out to be replaced by a better street. He is a very active man and takes good care of his people. You can see a lot of women weaving coorporations and ecological dying. Natural dying and also natural colours are often used in the San Juan weavings.

Encarnacion is a true artist with a brush sticking out of her hair and hands covered in many colours of paint. As soon as I enter her house I can see this by all the paintings, tubes of paint, brushes and drops of paint everywhere. Her favorite colour must be pink because she has painted her whole house this way. When i arrive she is just putting the base for a new painting on.

She tells me how the weaving was just a market with to much competition and she decided to start making paintings. She learned the skill of her father and it is a bit a brave choice because women usually dont work in this profession. Her four brothers are also painters an through one of them she finds the stores where she brings her paintings to sell. She goes as far as Santiago Atitlan, Panajachel, Chichicatenango and Guatemala City.

Being a painter isnt easy because the investments are big. One tube of paint costs her around Q38 and she has 75 different colours! She orders the canvasses in the size she wants and she likes to make very big paintings too.

Because she needs diffenet and bigger markets she asks me to write down her number in case someone wants to buy one of her paintings in the US or Europe. The number is: +502-51133224.

502 is for Guatemala.

We often read the stories about these women wanting their children to do well, study and have better chances in life. Friendship Bridge has education firmly stated in their mission statement and therefore sometimes offers intern ships to school girls as also to Gloria Trinidad. She is in school to become a secretary and is the daughter and sister of two members of a Kiva group called Costureras. I decided to take her with me into the field and let her interview both her mum and sister. The nice result, in Spanish, is what you can read here!

Esto es un poco de lo que nos dice doña Catarina de su vida personal y como también la de su familia. Un día visitamos a San Juan La Laguna para entrevistar a una de las señoras del grupo Azucena. Y encontramos a la señora Catarina Mendoza Cholotío. Cuando la fuimos a entrevistar estaba torteando junto con su hija.

Catarina tiene 43 años de edad. Nacida en San Juan La Laguna. Ella esta casada. También, nos cuenta que tiene una familia muy unida y muy trabajadora. Y tiene cuatro hijos. Los hijos de ella están estudiando. Su primer hijo es Perito Contador. Y los hermanos de su primer hijo están estudiando el segundo básico. Y su única hija le ayuda a su mamá para negociar porque no quiere estudiar.

Ella nos cuenta un poco de su pueblo. Sus paisanos son amables, y son muy trabajadores. Tiene un mercado grande. Tiene un parque pequeño y tiene una cancha de baloncesto, donde los jóvenes pueden jugar tranquilamente.

Un día habló a una de sus amigas para que le hablara del proyecto. Y como su amiga ya le había hablado acerca del proyecto. Entonces, su amiga le aconsejo que fuera a preguntar los requisitos necesarios para que la puedan ayudar. Ella tomo la decisión para que fuera con los encargados y a preguntar los requisitos necesarios. Una semana después ella recibió su crédito. Y con el crédito que recibió lo invirtió en su negocio para comprar los materiales para que pueda elaborar sus tejidos. Su trabajo de Catarina es tejer diferentes clases de manteles. Y en su negocio le va muy bien gracias a Dios. Ella vende sus tejidos a las mujeres de San Juan por mayor cantidad. Que sus clientas también son artesanas y son revendedoras.

Catarina nos cuenta que ya lleva 2 años en estar participando en el grupo Las Azucenas y le va muy bien en el grupo. Porque su grupo son puntuales en pagar sus créditos mensualmente.

Gloria Trinidad


Posted by Chanti de Kleijn from San Juan La Laguna, Sololá, Guatemala
Sep 23, 2008
Comments (2)

Kiva Help Repayment Schedule for Azucenas Group

  Expected Repayments Actual Repayments Comments
March 2008 $550.00 $0.00 Repayment Received
April 2008 $550.00 $0.00 Repayment Received
May 2008 $550.00 $1,100.00 Repayment Received
June 2008 $550.00 $1,100.00 Repayment Received
July 2008 $550.00 $550.00 Repayment Received
August 2008 $550.00 $550.00 Repayment Received
September 2008 $550.00 $550.00 Repayment Received
October 2008 $550.00 $550.00 Repayment Received
November 2008 $550.00 $550.00 Repayment Received