Violetas X Group
Victoria M. Z., 41, is the group president. She finished middle school and is in catalogue shoe sales. She has a 5-year-old daughter that depends on her and her husband has been a mechanic for 6 years.
Her customers are of the opinion that Vicky is a woman who likes to get ahead; she is an independent, enterprising woman who seeks a better life for her family; her goal in life is to provide a good education for her daughter so that she won’t suffer through the needs she, herself, has endured in the past.
She is requesting funds to buy a block of shoes to fill her pending orders.
Flora C. M., 21, is married and has two children, who are 2 and 3 years old. Her husband is a construction worker. She only finished elementary school and has been making home-made tamales to sell for the last 3 years. She learned how to make tamales following her grandmother’s recipe so they have a homey flavor. She wants funds to buy a tricycle (three-wheel delivery cart) that will make it possible for her to transport her product from where she makes the tamales to sales locations that are farther away.
Her customers know her as being a young, enterprising woman who, at the moment of asking for this loan, is happy about the trust that was placed on her by her fellow group members despite her youth.
Success, for her, is providing a better education for her children so that they won’t suffer through the same needs she did as a child.
The other group members are:
JUANA FLORES V. T. – Sells cosmetics
BEATRIZ DIANA G. S. – Sells cosmetics
ANA MIRIAM G. A. - Sells cosmetics
ROSAURA H. G. - Sells cosmetics
MARIA ANTONIETA J. M. - Sells cosmetics
MARIA DEL CARMEN L. J. – Sells typical Mexican fast-food
SUYAPA M. O. – Sells silver
JOSEFINA R. QUIZAMON – Shoe sales
MARTINA N. C. - Shoe sales
La presidenta del grupo se llama Victoria M. Z., tiene 41 años, estudió hasta la secundaria se dedica a la venta de zapatos por catalogo, tiene una hija que depende de ella de 5 años, su esposo es mecánico desde hace 6 años.
Sus clientas opinan que doña Vicky es una mujer que le gusta salir a delante y que es una mujer emprendedora e independiente por buscar una mejor vida para su familia, su meta en la vida es poder darle una buena educación a su hija para que no sufra de las carencias que ella ha pasado.
Solicita el préstamo para comprar un lote de zapatos y así surtir los pedidos que tiene hechos.
La Señora Flora C. M. tiene 21 años, es casada, tiene dos hijos de dos y tres años, su esposo se dedica a la construcción y ella estudio solo hasta la primaria se dedica a la elaboración y venta de tamales caseros desde hace 3 años. Ella aprendió a hacer los tamales por receta de su abuela poniendo el sazón familiar. Solicita el préstamo para comprar un triciclo que le permita trasladarse con su tamalera y así llegar a ofrecer su producto más lejos, sus clientas la conocen como una mujer joven y emprendedora al momento de solicitar este préstamo se siente contenta por la confianza que le brindaron sus compañeras de grupo a pesar de ser tan joven.
El éxito para ella significa darles una mejor educación a sus hijos para que no sufran las carencias que ella tuvo de niña.
Las otras integrantes del grupo son:
JUANA FLORES V. T. - VENDE COSMETICOS
BEATRIZ DIANA G. S. - VENTA DE COSMETICOS
ANA MIRIAM G. A. - VENTA DE COSMETICOS
ROSAURA H. G. - VENTA DE COSMETICOS
MARIA ANTONIETA J. M. - VENTA DE COSMETICOS
MARIA DEL CARMEN L. J. - VENTA DE ANTOJITOS MEJICANOS
SUYAPA M. O. - VENTA DE PLATA
JOSEFINA R. QUIZAMON - VENTA DE ZAPATO
MARTINA N. C. - VENTA DE ZAPATO
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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