140-008265-01-6 Group

Hello! Our group is called Brillante Amenecer and the following people are members:
Sra. Sayra Reyes has for 20 years earned her living by selling cosmetics and plastic products and also for four years making baked goods. She lives in Union Libre with her husband who raises cattle. She has four dependent children. Her husband is responsible for the family expenses, and she contributes what small amount she can.
Sr. Andres Herrera has been a businessman for 20 years. His main business is a small convenience store, a common line of work in our society. He is single but is responsible for the education and daily expenses of his two siblings, plus the cost of food for his mother since his father has passed away. His mother was left without support, so Andres had to take over all the family’s food expenses.
Sra. Gloria de Jesus Cáliz is a businesswoman and has been operating a small convenience store for five years now. She lives in Union Libre and has three children who are still dependent on her. Her husband is a farmer and pays for household expenses. With the money that she earns from her store, Gloria covers her own personal expenses and as well helps her husband with household expenses. She also works hard to buy kitchen utensils and household electrical appliances, important things for the home--she has bought these out of the profits from the business.
Sra. Yeni Pavon worked selling cosmetics for many years, but as she is a single mother with a son who is completely dependent on her, the business did not supply enough income to provide for her family. She managed to obtain a small convenience store which greatly helps her to cover household expenses, so she now has two businesses. When she is out selling cosmetics, her son helps her with the store.

Translated from Spanish by Jane Agg, Kiva Volunteer

Hola nosotros somos el grupo Brillante Amanecer, nuestro grupo esta formado de la siguiente forma:
Sayra Reyes: la Sra. Reyes tiene 20 años de dedicarse a la venta de cosmeticos y productos plasticos y 4 años de dedicarse a la elaboracion de pasteles, vive en union libre y su compañero de hogar se dedica a la ganaderia, tiene 4 hijos de los cuales dependen de ellos, su esposo se encarga de cubrir todos los gastos familiares y en lo poco que ella puede le colabora a el.
Andres Herrera: el Sr. Herrera se dedica al comercio desde hace 20 años, su negocio principal es la pulperia, rubro que mas resalta en nuestra sociedad, el es soltero pero el le brinda el estudio y todos los gastos personales a dos hermanos y cubre al 100% la alimentacion en el hogar de su madre, ya que el padre fallecio y su madre quedo desprotegida, haciendose el, cargo de los gastos de alimentacion para su familia.
Gloria de Jesus Calix: ella se dedica al comercio, tiene una pulperia, actividad a la cual se dedica desde hace 5 años, vive en union libre y es madre de 3 hijos que toda via dependen de ella al 100%, su compañero de hogar se dedica a la agricultura y es el quien cubre todos los gastos del hogar, con los ingresos que el negocio le genera ella cubre sus gastos personales y tambien le ayuda a su esposo con los gastos del hogar, pero lo que ella se dedica a comprar en el hogar son los utensilios de cocina y los electrodomesticos, cosas importantes dentro del hogar, todos estos articulos los ha adquirido con las ganancias que le deja su negocio.
Yeni Pavon: ella se dedico a muchos años a vender cosmeticos, pero como ella es madre soltera con un hijo el cual depende de ella en un 100%, este negocio que tenia no la daba suficientes ingresos para el sustento de su familia, ella logro hacer una pequeña pulperia la cual le ayuda mucho a cubrir con los gastos de su hogar, ahora ella tiene dos negocios y cuando ella sale a vender sus cosmeticos su hijo le ayuda a atender la pulperia.


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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