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Mujeres De Hoy Group
In this Group: Sandra Saray , Maricela , Rosa Ana , Lesli , Margarita , Erika Anell , Ernestina , Ramona , Marisol , Maria De Los Santos , Aurelia , Fany Vianey
This photograph was taken at the business of Marisol S. M., a member of the group “Mujeres de Hoy” (Women of Today). This group is from the community of San Pablo Huantepec in the town of Jilotepec, State of Mexico, in Mexico. The members of the group are photographed at Marisol’s snow cone stand. She started her natural snow cone business a year ago. Marisol is requesting a loan to buy containers and ingredients that are needed to make her product. She says that she currently has a limited supply of materials; therefore she only offers a few flavors. With this loan she hopes to diversify her product and attract more customers. However, she needs these items to maintain her business. Her customers consist of travelers, which explains why her stand is located on the side of the road and constantly changes location since she looks for strategic areas where she can improve her sales.


Sra. María de los Santos M. S. is Marisol’s mother. They have been working together making snow cones for three years. Just like her daughter, María started her working so that she could gain experience. She now wants to start her own business and live independently because she believes there may come a time in the future when her children won’t be able to support her financially. María thought it would be best to have her own small business so that she could save and build up some assets for when she is not able to work so that she and her husband can continue to live decently. Upon applying for this loan, María was very excited because she wants to be self-sufficient for many years to come and believes this project will help her do that. She is 46 years old, married, and has four children (three daughters and a son). María has a sixth grade education. She will use her loan to buy snow cone cups, ice chests, glasses, scoops, spoons, and raw materials needed to start her business. She expects to generate income gradually so that she can save for a better future.


Maricela S. M. is the group president. She is 22 years old, married, and has two daughters who are both 3 years old. Maricela completed her education through the third year of high school. She started a pizzeria a year ago. Maricela is requesting a loan to buy a screened door for her business so that her shop stays clean. She wants to provide her children with the opportunity to study.


The group consists of 12 members. This is the first time they have requested a loan from CrediComún. The other members are as follows:


- Sandra Saray Pérez H. (sells shoes through a catalog)
- Rosa Ana C. García (sells bedspeads through a catalog)
- Lesli L. C. (sells lingerie through a catalog)
- Margarita García Zúñiga (sells Omni Life products)
- Erika Anell Martínez C. (sells clothing)
- Ernestina Pérez B. (sells tortillas)
- Ramona M. V. (manages a grocery store)
- Aurelia R. Domínguez (manages a grocery store)
- Fany Vianey C. M. (sells tortillas)

View original language description ↓
Esta foto fue tomada en el negocio de Marisol S. M., una integrante del grupo Mujeres de Hoy, que está ubicado en la comunidad de San Pablo Huantepec, Municipio de Jilotepec en el Estado de México, en México. Se ve el puesto de la nieve y las integrantes del grupo en la foto. Ella se dedica a la venta de nieves naturales, negocio que inició hace un año. Solicita el préstamo para comprar botes y la materia prima necesaria para la preparación de su producto, explica que actualmente tiene poco material y por ello sus sabores son limitados, con este crédito ella espera diversificar su producto para atraer más clientes y contar con los recipientes necesarios para mantenerlo. Sus clientes son prácticamente los viajeros pues ella instala su puesto en la orilla de las carreteras y constantemente cambia de lugar en busca de puntos estratégicos para mejorar sus ventas.
La señora María de los Santos M. S. es madre de Marisol, trabajaron juntas durante 3 años en la elaboración de nieve, lo cual les sirvió como experiencia para poner su propio negocio como lo hizo ya su hija, ahora ella también desea iniciar su negocio por su cuenta pues como ya sus hijos hicieron su vida independiente, piensa que tal vez en el futuro no puedan ayudarla económicamente y que mejor que tener su propio negocito para ahorrar y tener un patrimonio que llegada una edad en que ya no pueda trabajar, le permita junto con su esposo vivir dignamente. Al momento de solicitar este préstamo ella se siente entusiasmada porque desea ser autosuficiente por muchos años más y considera que este proyecto se lo permitirá. Tiene 46 años, estudió hasta el sexto año primaria, es casada y tiene en total 4 hijos, 3 mujeres y un varón. Quiere este crédito para comprar botes para la nieve, hieleras, vasos, palas, cucharas y la materia prima para echar andar su negocio. También espera hacerlo crecer poco a poco con las ganancias e ir ahorrando para un mejor futuro.

Maricela S. M. es la presidente del grupo. Tiene 22 años, estudió hasta el tercer año de secundaria, es casada y tiene 2 hijas de 3 años de edad. Ella tiene una pizzería que inició hace un año. Solicita el préstamo para comprar un cancel para su negocio y poder mantener la higiene de su local. Ella quiere dar a sus hijas la oportunidad de estudiar más.

El grupo está conformado por 12 integrantes y es la primera vez que solicita un crédito a CrediComún. Los otros integrantes son:

- Sandra Saray Pérez H. (Venta de zapato por catalogo)
- Rosa Ana C. García (Venta de colchas por catalogo)
- Lesli L. C. (Venta de lencería por catalogo)
- Margarita García Zúñiga (Venta de Omnilife)
- Erika Anell Martínez C. (Venta de Ropa)
- Ernestina Pérez B. (Venta de Tortillas)
- Ramona M. V. (Tienda de abarrotes)
- Aurelia R. Domínguez (Tienda de abarrotes)
- Fany Vianey C. M. (Venta de Tortillas)

Additional Information

About CrediComun

This 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.

About Mexico

  • $15,600
    Average annual income
  • 19
    View loans »
    Mexico Loans Fundraising
  • $18,761,850
    Funds lent in using Kiva
  • 12.3
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Mujeres De Hoy Group's $3,275 loan helped a member purchase supplies for making snow cones.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 22, 2010
Listed
Apr 23, 2010
Currency Exchange Loss:
Covered
Ended:
Sep 15, 2010