Las Soñadoras De Jilo Group
Bibiana S. Avedaño is the president of the group. She is 26 years old and went to school to become a beautician. She works as a stylist and has a 7-year-old daughter. She started her own business 9 years ago. Bibiana is requesting a loan to purchase hair dyes, peroxides, machines and accessories for her business.
Martha D. Jesús B., known as "Martita," is 46 years old and completed her schooling until the 6th graD.. She is a vendor and has two children - a daughter and a son. Two years ago, she started selling fruit cocktails and tupperware. She is requesting a loan to purchase fruits and disposable containers for the fruit cocktails she sells. Martita begins her work at 5 am everyday. She prepares the fruit and leaves her house to sell the cocktails from her cart on the street. She also uses her time outsiD. to show people her catalogue of tupperware. In this way, she can attend to both of her businesses at the same time.
Martita, just like everyone she knows, lives day-to-day in a constant fight for survival and for the improvement of her situation. She has been the primary breadwinner for her household ever since her husband began to progressively lose his vision some time back. His loss of vision went unexplained until a few weeks ago, when he was diagnosed with diabetes. Due to the effects of the disease, he is no longer able to work. Martita's son is studying for his degree and also working, since his mother's earnings are insufficient to support the household and pay for his education. Martita is afraid because she does not want her son to quit his studies to work full-time.
Although there have been moments of frustration in her life, they have not stopped Martita from continuing her struggle for a better future. She is very enthusiastic about her loan request because it will help her to expand her business and at the same time obtain larger profits and a better income for her home. She is requesting this loan so she can continue to sell her fruit cocktails and possibly open a fixed locale, hopefully in the near future. A more permanent location would enable her to continue her sales without having to endure the weather conditions and would also give her the possibility of employing her family members.
Bibiana S. Avedaño es la presidenta del grupo. Tiene 26 años, estudio una carrera técnica en Cultora D. Belleza, es estilista y tiene una hija D. 7 años. Ella se dedica a su estética, que inicio hace 9 años. Solicita el préstamo para comprar tintes, peróxidos, maquinas y accesorios para su negocio.
Martha D. Jesús B. es integrante del grupo. Tiene 46 años, estudió hasta el sexto año D. Primaria, es Comerciante y tiene en total 2 hijos 1 mujer y 1 varón. Ella se dedica a la venta D. cocteles D. frutas que inició hace 2 años y además también venD. Tupperware. Solicita el préstamo para comprar frutas y recipientes desechables para los cocteles que venD.. La señora inicia su jornada laboral a partir D. las 5:00 am todos los días, prepara su fruta y sale a las calles a venderla en su triciclo, aprovecha el tiempo también para mostrar a la gente su catalogo D. toper y así atender sus dos negocios al mismo tiempo. La señora Martita como todos la conocen vive día con día una constante lucha por la supervivencia y la superación, ella es el sustento D. su hogar ya que tiempo atrás su esposo empezó a perder la vista progresivamente y no se explicaban porque, apenas hace unas semanas, le diagnosticaron al señor “Diabetes” y debido a las consecuencias D. la enfermedad él ya no pueD. trabajar. El hijo D. doña Martita esta estudiando la Licenciatura y trabajando ya que los ingresos D. su madre no son suficientes para el sustento D. la casa y la escuela, sin embargo doña Martita tiene un gran temor porque no quisiera que su hijo truncara su carrera por dedicarse al trabajo y aunque ella a pasado por momentos D. frustración en su vida esto no le impiD. seguir su lucha en busca D. un mejor porvenir. Al momento D. solicitar este crédito se muestra muy entusiasta porque es un apoyo para hacer crecer su negocio y así mismo obtener mayores ganancias y mejores ingresos para su hogar. Quiere este crédito para continuar con la venta D. cocteles y también espera a un plazo no muy lejano, nos platica, poder tener un local establecido que le permita continuar con sus ventas sin tener que sufrir las condiciones climáticas y tener también la posibilidad D. auto emplear a su familia.
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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