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El Señor De Chalma Group
In this Group: Bernarda Leovigilda, Maria Del Rosario, Carmen Benita*, Maria Guadalupe, Isidora, Alicia Rosario, Minerva Irma, Maria Apolinaria, Soledad, Melissa, Isabel Luisa*
* not pictured
The "El Señor de Chalma" group is made up of 11 clients in the Sn. Miguel Tlacamama community, located about 10 kilometers from Pinotepa Nacional. They are all merchants. Many people in the region sell fresh cheeses, which is the case for Isidora Alberta C., who has sold them for five years. Her siblings split up the profits, since they are the ones who own the cows and make the product themselves. They give her a percentage of the profits when she goes to sell. Now, with the loan money, she will buy the product from her siblings and start her own small business. The product sells very well in the region and is considered an inexpensive basic necessity. With the supplies she obtains, she will keep investing in her cheese-selling business and continue purchasing pigs to fatten and sell them. She has done this activity for about eight years. She considers it part of her responsibility to recuperate the loan because the group depends on continuing to receive the benefits of the foundation. She will be able to help her husband, a peasant farmer, with the expenses, and also help her children, who are eight and ten years old.

The rest of the group members are also merchants. They will use the loan money to buy and sell vegetables, groceries, fresh cheeses, and women's clothing; buy ingredients for tacos, beverages, and pork tamales; and pay to transport merchandise and ingredients to the cities of Acapulgo Guerrero and Pinotepa Nacional. Maria Apolinaria R. buys green chiles and dried fish in the Pinotepa market and resells them in villages near Tlacamama. She says that she takes care of her husband, who has a leg disease that does not allow him to work. Since they do not receive support from any of their children, it is she who has supported her family for five years. She hopes that God will help her continue to make her payments and keep receiving credit from the foundation, as she has been doing for the past two and a half years. All of the group members' principal objective is to contribute economically to their families with their day-to-day earnings, and thus improve their quality of life.
View original language description ↓
El grupo El señor de Chalma esta integrado por 11 clientes de la comunidad de Sn. Miguel Tlacamama se encuentra ubicado a escasos 10 kms. de Pinotepa Nacional, todos son comerciantes, muchas personas en la region se dedican a la venta de quesos frescos como es el caso de Isidora Alberta C. que vende queso fresco desde hace cinco años, sus hermanos le proporcionaban el producto ya que ellos son los que cuentan con ganado vacuno y ellos mismos lo elaboran, a ella le daban un porcentaje de la ganancia obtenida cada vez que salia a vender, ahora con el dinero del credito comenta que va a comprar el producto a sus hermanos y que de ese modo iniciará su pequeño negocio ya que el producto se vende muy bien en la región y se considera que es un producto de primera necesidad y el precio no es muy alto, con sus utilidades que obtenga seguirá inviertiendo en su negocio de venta de quesos y continuará con la compra de puercos para engordarlos y venderlos en pie que es una de las actividades que ha realizado tambien ya desde hace 8 años aproximadamente.
considera que es parte de su responsabilidad la recuperación del credito ya que de ello depende que continue recibiendo el beneficio que la Fundación le ofrece y que de ese modo podra ayudar con los gastos a su esposo que es campesino y asus dos hijos de 8 y 10 años.
El resto de los integrantes del grupo son comerciantes tambien, el dinero del credito lo utilizán para comprar y vender verduras,abarrotes, quesos frescos,ropa para dama, comprar igredientes para preparar tacos blandos, refrescos,tamales de carne de puerco y pagar el transporte al lugar de donde adquieren la mercancia y los ingredientes ya sea en la cd. de Acapulgo Guerrero ó Pinotepa Nacional, como es el caso de la sra Maria Apolinaria R. compra chiles verdes y pescado seco en el mercado de pinotepa y revende en pueblos circunvecinos de tlacamama ella nos comenta que es quien mantiene a su esposo ya que padece de una enfermedad en los pies que no le permite trabajar y como no recibe el apoyo de ninguno de sus hijos ella es quien desde hace cinco años es la que lleva el sustento de su familia y que espera que Dios le ayude dijo para continuar pagando bien y seguir recibiendo el credito que le ofrece la Fundación como lo ha hecho desde hace ya dos años y medio.
Todas las personas del grupo tienen como principal objetivo contribuir economicamente a sus familias con las ganancias que obtienen del trabajo que ellas realizán día con día y mejorar así su nivel de vida.

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

  • $15,600
    Average annual income
  • 22
    View loans »
    Mexico Loans Fundraising
  • $18,750,550
    Funds lent in using Kiva
  • 12.9
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of El Señor De Chalma Group's $4,300 loan helped a member purchase raw materials and make products to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 23, 2009
Listed
Dec 3, 2009
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2010