Las Populares De Loma Group
Sra. Marcelina A. R., known to everyone as “Doña Marce”, is a member of the group. She is 49 years old and the mother of eight children, four daughters (one is deceased) and four sons. Despite not having an education, she has managed to become both a businesswoman and a homemaker. Doña Marce has been selling food for 23 years. She previously worked at a restaurant in Mexico City. Motivated by this experience and her desire to succeed, she decided to start her own business. During that time, however, she had inadequate facilities, so she started cooking at home and then combed the streets in search of potential customers.
Doña Marce’s home was also very small, but she did not have enough money to build a separate room for her business. Over time different people began approaching her to order breakfast and lunch, such as school teachers, doctors from the local clinic, business owners who worked in the surrounding area, and even visitors to the city. Her neighbors have always known her and knew that her business would grow, so they recommended her to other people. She has expanded her house and currently runs her business out of a space that is well-equipped.
Doña Marce is requesting a loan to buy a stove because the one she has now is insufficient for preparing her daily food orders. She also wants to buy a juicer so that she can prepare juices faster. Her customers enjoy being around her and appreciate her charismatic personality. She also has a loyal following because her dishes are offered at low prices. “Everyone works so hard, so we have to help them,” says Doña Marce. Upon requesting this loan, she was optimistic about growing her business since this will allow her to make improvements to her home and support her husband with the household expenses whenever he is not able to find work. Doña Marce now dreams of buying a piece of land along the highway in front of her house where she can build a shop and establish her food business.
La señora Marcelina A. R., conocida por todos como “Doña Marce” es integrante del grupo. Tiene 49 años y no tiene estudios, es comerciante y ama de casa. Tuvo 8 hijos, 4 mujeres (1 ya falleció) y 4 varones. Ella se dedica a la venta de comida desde hace 23 años. Después de haber trabajado en un restaurant en el D.F. y motivada por la experiencia y los deseos de superación, fue como decidió iniciar su negocio. No obstante, en aquellos años ella no contaba con la infraestructura suficiente, por lo que empezó cocinando en su propia casa y buscando en las calles a sus posibles clientes,
Platica Doña Marce que su casa también era muy pequeña, no había dinero para hacer otro cuartito e independizar el negocio. Poco a poco, la gente la empezó a buscar hasta que consiguió pedidos de comidas y desayunos para maestros de las escuelas de su localidad, para médicos del centro de salud, e incluso para gente que tiene sus negocios en los alrededores y para los visitantes del lugar también, pues como sus vecinos ya la conocían siempre la recomendaban y así es como ha crecido su negocio. Actualmente ella ya amplio su casita y ahí mismo sigue atendiendo el negocio pero ya con un espacio mejor acondicionado.
Solicita el préstamo para “comprar una estufa”, porque la que tiene ya no le es suficiente para elaborar diariamente sus pedidos de comida y también para “comprar un exprimidor” que le permita hacer más rápidamente los jugos que vende. Sus clientes disfrutan de su buena sazón y su carisma. La siguen también porque les ofrece buenos precios, pues dice Doña Marce “Todos estamos amolados y nos tenemos que ayudar”. Al momento de solicitar este préstamo se siente Ilusionada porque desea que su negocio siga creciendo y que así como le ha permitido mejorar su casa y apoyar a su esposo con los gastos cuando él no tiene trabajo, ahora realice su sueño de comprar un terrenito que se ubica frente a su casa sobre la carretera, para construir en él un local y establecer su cocina económica.
About CrediComunThis loan is administered by CrediComun, a Kiva Field Partner since February 2010. CrediComun is dedicated to providing loans to groups of women in rural areas in Mexico, and is beginning to lend to individuals as well. One of its newest branch offices is in Ciudad Neza, a poor suburb on the outskirts of Mexico City. CrediComun has grown rapidly since its inception in 2005, with 37 branch offices and over 350 employees, and was ranked the 12th best microfinance institution in Latin America in 2010 according to the Microfinance Information Exchange (MIX).
For more information on CrediComun, please visit its partner page. If you would like to support CrediComun and its borrowers, please visit its lending team.
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.
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