Americas ** Group
Verónica R. Hernández is a member of the group. She is 40, studied up through 6th grade of primary school. She is a businesswoman and has 2 daughters. For the past 5 years she has been selling ceramics, going from rural community to rural community, from house to house, with weekly payments or bi-weekly, depending on the customers. She is asking for the loan to supply her business more since sometimes collections are slower. Because of this she needs more money to have more inventory to offer her customers. She is planning on buying vases, cups, plates, salt shakers, napkin holders, plant pots, arts and crafts, etc-as much as the loan will cover. She wants this loan to make her business grow and with the earnings that she will generate, she wants to save so that in the future she can fulfill her dream of having her business in its own location. For now she has the walls, but is missing the dishes and accessories so that it will be set up well. She wants to stop traveling from one place to the other and stay in her own place.
The other members of the group are:
- Nancy Guadalupe Z. S. (lingerie sales)
- Patricia R. Hernández (ceramics sales)
- Alejandra Hernández I. (cosmetics sales)
- Rebeka Jarabid R. Hernández ((cosmetics sales)
- María del Socorro M. Gómez (sweater workshop)
- Julia M. Sánchez (lingerie sales)
- Alejandra de Jesús Zúñiga R. (lingerie sales)
- Rosa Hernández Ávila (gelatin sales)
- Rosa Mara T. S. (shoe sales)
Verónica R. Hernández es integrantes del grupo. Tiene 40 años, estudió hasta el sexto año de primaria, es comerciante y tiene en total 2 hijas. Ella se dedica a la venta de cerámica que inició hace 5 años, vende su producto rancheando, de casa en casa, dejándolo en pagos semanales o quincenales dependiendo de sus clientes. Solicita el préstamo para surtir más su negocio ya que como la venta es en pagos avécese su recuperación es mas lenta por lo que requiere de mayor inversión para tener más artículos que ofrecer a su clientela. Ella piensa comprar, floreros, tazas, platos, saleros, servilleteros, macetas, artesanías, etc. Según para lo que le alcance el crédito. Quiere este crédito para hacer crecer su negocio y con las ganancias que le genere quiere ahorrar para mas adelante cumplir su sueño de establecer su negocio en un local propio, pues actualmente ya tiene los muros, sin embargo aun le falta la loza y accesorios para que éste quede bien acondicionado y entonces si constituir su negocio y dejar de andar de un lugar a otro.
Los otros integrantes del grupo son:
- Nancy Guadalupe Z. S. (Venta de corsetería)
- Patricia R. Hernández (Venta de cerámica)
- Alejandra Hernández I. (Venta de cosméticos)
- Rebeka Jarabid R. Hernández (Venta de cosméticos)
- María del Socorro M. Gómez (Maquila de suéter)
- Julia M. Sánchez (Venta de Corsetería)
- Alejandra de Jesús Zúñiga R. (Venta de corsetería)
- Rosa Hernández Ávila (Venta de gelatinas)
- Rosa Mara T. S. (Venta de zapatos)
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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Success!! The loan was 100% repaid