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La Estrella Flat Group
In this Group: Maricela, Maria De Los Angeles, Adriana Betzabel, Maria, Jeny
Telpalcino is in the state of Morelos 38 kilometers from the city of Cuautla. The easiest way to reach it is via the Cuautla-Izucar de Matamoros highway. Arriving at the 4 Caminos intersection, there is a detour to the right which is the Cuautla-Axochiapan highway. 14 Kilometers from there is Tepalcingo. The La Estrella Flat communal bank is located in this town. It is in its first loan cycle since two of its members used to be part of a different group but, due to some delays, the group fell apart. As of today, they are on their fourth repayment and they have been noted for the punctuality in their repayments. The most common activity in Tepalcingo is commerce, then agriculture, and in third place, cattle raising. One of the members of this group is Maricela T. N., 49, who is in a common law relationship. She had 4 children but one died at birth so she only has three. She has been a member of Fundacion Realidad for about 2 years. Prior to this she was working with a group called Akasia but many of its members fell behind in their payments; they paid, but we had to be chasing after them to do so. As a result, the punctual members lost their benefits and the group fell apart. Maricela was offered a different method: to form a new group of 5 members. She was very interested and found other people who had businesses. Maricela sells chicken, eggs, clarasol (a laundry product), etc. Maria de los Angeles M. sells soft-drinks, Adriana Betzabel sells bedspreads, Maria C. L. sells costume jewelry, Jeny sells clothes. Maricela’s loan was for $6000 which she will use to buy bread, chicken, eggs, soft-drinks, clarasol, etc. She sells from her home which is located on Aquiles Serdan steet at the corner of Tezozomo, in Buenos Aires neighborood. She tells us that almost all of Tepalcingo is made up of poor neighborhoods but Buenos Aires is a nicer area. Her greatest dream is to have her own store like she had almost 5 years ago but, due to problems, had to let it go; she sold off all her diplay cases, shelving, etc. and now she uses little tables at her home to display her wares. She would like to recover her store the way it used to be so that she can help her husband and her children to get ahead and be someone in life. She tells us that she does well in her store since there are no others nearby. Besides, the good customer service she provides brings more than 100 persons daily to her store and this is how she makes her profits which she reinvests every third day in soft-drinks and daily in chicken. Lastly, she is grateful for the confidence placed in her despite what had happened with the previous group and she hopes to continue forward for a time to see her dreams come true and have her store. She states: “I will not let you down.” She thanks Kiva for trusting Fundacion Realidad because they do what they say they will and she’s sure they won’t let Kiva down.
View original language description ↓
UBICADO A 38KM DE LA CIUDAD DE CUAUTLA SE ENCUENTRA EL MUNICIPIO DE TEPALCINGO PERTENECIENTE AL ESTADO DE MORELOS.
LA FORMA MAS FACIL PARA LLEGAR ES POR LA CARRETERA DE CUAUTLA - IZUCAR DE MATAMOROS LLEGANDO AL CRUCERO DE 4 CAMINOS SE ENCUENTRA UNA DESVIACION A LA DERECHA QUE ES LA CARRETERA CUAUTLA - AXOCHIAPAN Y A 14 KM DE AHI SE ENCUENTRA TEPALCINGO.

EN ESTE POBLADO SE ENCUENTRA EL GS LA ESTRELLA FLAT EL CUAL ESTA EN SU PRIMER CICLO YA QUE ANTES DOS INTEGRANTES DEL GRUPO FORMABAN PARTE DE UNA UDE PERO DEVIDO A ALGUNOS ATRASOS QUE HUBO EN EL GRUPO SE DESHIZO VAN EN EL CUARTO PAGO Y HASTA EL DIA DE HOY SE HAN DISTINGUIDO POR SU PUNTUALIDAD EN SUS PAGOS.
LA ACTIVIDAD QUE MAS ABUNDA EN TEPALCINGO ES EL COMERCIO Y DE AHI LA AGRICULTURA Y POR ULTIMO LA GANADERIA.
DENTRO DE ESTE GS SE ENCUENTRA LA SRA. MARICELA T. N. LA CUAL CUENTA CON 49 AÑOS DE EDAD ESTA EN UNION LIBRE TUVO CUATRO HIJOS PERO NADAMAS TIENE TRES YA QUE UNO FALLECIO AL NACER ELLA HA FORMADO PARTE DE FUNDACON REALIDAD DESDE HACE 2 AÑOS APROXIMADAMENTE ANTERIORMENTE ESTABA TRABAJANDO CON UNA UDE QUE SE LLAMABA AKASIA PERO HUBO MUCHAS INTEGRANTES QUE SE ATRASARON SI PAGARON PERO TUVIMOS QUE ANDARLAS CORRETEANDO LAS SRAS. QUE ERAN PUNTUALES PERDIERON SU BONOFICACION Y SE DECISO EL GRUPO DE AHI LE OFRECIMOS OTRA METDOLOGIA A LA SRA. MARICELA DE FORMAR UN GS DE 5 PERSONAS LE INTERESO Y BUSCO MAS GENTE TODAS CON UN NEGOCIO LA SRA MARICELA VENDE POLLO, REFRESCO, HUEVO, CLARASOL, ETC. LA SRA.MARIA DE LOS ANGELES M. VENDE REFRESCO, ADRIANA BETZABEL VENDE COLCHAS, MARIA C. L. VENDE BISUTERIA, JENY VENDE ROPA.
EL CRDITO DE LA SRA MARICELA FUE DE $6000 Y LO VA A UTILIZAR EN COMPRAR PAN, POLLO, HUEVO, REFRESCO, CLARASOL, ETC. VENDE EN SU DOMICILIO EL CUAL SE ENCUENTRA EN CALLE AQUILES SERDAN CON ESQUINA TEZOZOMO S/N DE LA COL. BUENOS AIRES YA QUE NOS COMENTA QUE EN TEPALCINGO LA MAYORIA SON BARRIOS PERO BUENOS AIRES ES COL. YA QUE LA TIENEN CATALOGADA COMO ZONA DE MARGINACION.
EL SUEÑO MAS GRANDE QUE ELLA TIENE ES LLEGAR A TENER SU TIENDA QUE COMO HACE YA MAS DE 5 AÑOS LA TENIA PERO DEVIDO A LOS PROBLEMAS LA DEJO VENIR ABAJO Y VENDIO TODO SUS ANAQUELES, MOSTRADORES ETC. Y AHORA QUE VENDE PERO EN UNAS MESITAS EN SU CASA QUIERE VOLVER A RETOMAR SU TIENDA COMO ANTES PARA QUE DE AHI MISMO PUEDA AYUDAR A SU ESPOSO Y ASUS HIJOS A SALIR ADELANTE Y SER ALGUIEN EN LA VIDA.
NOS COMENTA QUE LE VA BIEN EN SU NEGOCIO YA QUE NO HAY TIENDAS CERCA DE AHI Y APARTE POR EL BUEN TRATO QUE LES DA ATIENDE A MAS DE 100 PERSONAS AL DIA COMO VA SACANDO SUS GANANCIAS LAS VA REINVIRTIENDO CADA 3ER DIA EN EL REFRESCO Y DIARIO EN EL POLLO.

POR ULTIMO AGRADECE A LA EMPRESA POR A VER CONFIADO EN ELLAS A PESAR DE LO QUE YA HABIA PASADO CON EL GRUPO ANTERIOR Y DICE QUE ESPERA SEGUIR DURANTE UN TIEMPO PARA PODER HACER REALIDAD SU SUEÑO DE TENER SU TIENDA Y DICE "NO LES VOY A FALLAR"
A KIVA GRACIAS POR CONFIAR EN LA EMPRESA DE FUNDACION REALIDAD YA QUE ES UNA EMPRESA QUE CUMPLE LO QUE PROMETE Y ESTOY SEGURA QUE NO LES VA A FALLAR.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Mexico

  • $11,249
    Average annual income
  • 16
    View loans »
    Mexico Loans Fundraising
  • $18,610,225
    Funds lent in using Kiva
  • 13.1
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of La Estrella Flat Group's $1,700 loan helped a member to buy soft-drinks, chicken, egs, oil, clarasol (a laundry product), etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 29, 2009
Listed
Dec 1, 2009
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2010