Los Claveles De Morenita Group

El Bancomunal Los Claveles de Morenita is located in the Huancavelica district of Yauli, Ambato. Amidst the trees and pastures, lie the chozas, adobe houses made with straw. The countryside is beautiful and there are plenty of domesticated fowl in the area, hens and chickens. The principal activity of the community is the production of mantas pullas - colorful belts made of synthetic fiber and also with Alpaca wool.

Maximiliana de la Cruz is married and has 12 children, including two sets of twins who are 3 and 8 years old and her oldest who is 25. Maximiliana is a weaver and has pulla looms and colorful vestments with synthetic fibers. All of her children work with the textiles. Some roll the threads into a ball, others separate and others dye until they go to high school or the university. With the loans she has received, she has been able to expand the business. Before she had capital, she could only weave from 5 to 10 mantas. Now she weaves 30 to 40 mantas and brings them to the large markets. At the Bancomunal, Maximiliana has received workshops that have helped her greatly. She serves on the executive board as the finance officer. She considers herself to be very punctual and has learned how to save money. Maximiliana needs a loan to buy an additional loom. Her dream is to own a big business with 30 looms. She is saving to buy a mending machine.

Isabel Acuna is married with 5 children between the ages of 4 and 14. Isabel began her business selling sweets in the school. Thanks to an inicial loan she received from FINCA, she opened a cafeteria in the school where the teachers and nurses take their meals. Isabel learned to cook and believes this opened her up to a big opportunity.
She has had difficulties in her life. She was operated on for an ovarian cyst and spent time in recovery. Her husband helped her, but it wasn't the same and the clientele decreased. Isabel is president of the mothers' club in her community. She thanks FINCA because she has learned many things such as how to direct people, do business with them and see the necessities of her group. Isabel tells us that she has changed as a person. She is going to invest her loan by purchasing dried vegetables and bringing them to Lima, the capital. Her dream is that her children receive a higher education. She is going to save so that her five children can study.

Teresa Castillo is married and has 7 children. She began her business selling cheese from a pail in the streets.
Thanks to the arrival of FINCA Peru to her town, she was able to receive a loan and buy more cheese. Other groups asked for many things and certifications while all she had was her small adobe house and some cattle. She has faced difficulties in her life, such as the death of her 27-year-old son. Her grandchildren were left alone and she has to work hard to take care of them. Teresa received workshops on how to save money. Before she was very quiet, now she knows how to express herself. Her dream is to buy a car. With the credit she received from FINCA she will buy more cheese and also eggs to sell.

Translated from Spanish by Priya Bapat, Kiva Volunteer

El Bancomunal Los Claveles de Morenita esta ubicado en Huancavelica distrito de Yauli, comunidad de Ambato, entre arboles y pastizales se encuentran chozas que son casas de adobes hechos con paja, es hermoso el paisaje, en la zona vemos bastantes aves de corral, gallinas y pollos.nLas actividades principales de la comunidad son la elaboracion de mantas Pullas- fajas coloridas con hilos sinteticos, tambien con lanas de Alpaca. Maximiliana de la Cruz, es casada, tiene 12 hijos, entre ellos 2 pares de gemelos de 3 años y de 8 años, el mayor tiene 25 años. Maximiliana se dedica a tejer, tiene telares de pullas y mantos coloridos con hilos sinteticos, todos sus hijos trabajan en los telares unos ovillan, otros seleccionan, otros colorean hasta que vayan al colegios o la universidad. Con los prestamos que ha recibido a podido crecer por que antes no tenia capital, tejia de 5 a 10 mantas, ahora tejo de 30 a 40 mantas y llevo a las ferias grandes. Maximiliana en su bancomunal ha recibido charlas las cuales le han ayudado mucho, pertenece a la Junta Directiva, es fiscal y se considera muy puntual, ha aprendido ahorrar. Maximiliana necesita un prestamo para comprar un telar mas, su sueño es tener una empresa grande con 30 telares y esta ahorrando para comprarse una maquinas remalladora. Isabel Acuna, esta casada con 5 hijos de entre 4 y 14 anos, Isabel empezo a vender golosinas en la escuela gracias al prestamo inicial que obtuvo de Finca, abrio un cafetin en al escuela donde da pension a los profesores y enfermeros, aprendio a cocinar, Isabel considera que se le abrio una oportunidad grande. Las dificultades que paso, es que la operaron de un quiste en los ovarios y estuvo en reposo, su esposo la ayudaba pero no era igual la clientela bajo. Isabel es presidenta de club de madres de su comunidad, agradece a FINCA porque aprendio muchas cosas, entre ellas a dirigirse a las personas, tratar con ellas y ver las necesidades de su grupo, Isabel nos dice que cambio mucho su forma de ser. Su prestamo lo va a invertir en comprar granos de menestras y llevarlos a la capital de Lima. Su sueno es que sus hijos tengan estudios superiores, y va ahorrar para que sus cinco hijos estudien.nnTeresa Castillo, es casada y tiene 7 hijos. Empezo con la venta de los quesos en un baldecito, por las calles gracias a la llegada de Finca Peru a a su pueblo pudo obtener un prestamo y comprar mas queso, otras entidades le pedian mucha cosas, titulos y ella manifiesta que apenas tiene su chozita de abobe y algunos ganados. Las dificultades que ha pasado es que se murio su hijo de 27 anos y dejo solo a sus nietos y tiene que trabajar duro para mantenerlos. Teresa recibe charlas de como ahorrar, antes era muy callada, ahora sabe expresarse. Su sueno es comprar un carro, con el credito que obtuvo de FINCA va a comprar mas quesos, tambien huevos de corral para vender.


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

Subscribe