Mrs. Teresa N. D. L. C. is the representative of the group; she is 54 years old with six married children. Teresa only finished the first graD. of primary school, and since that time, she has had to work. Unfortunately, she was widowed eight months ago. She sells snack foods such as tacos, quesadillas, and gorditas; she also sells candies and potatoes, and she rents out homes. She began her business roughly two years ago; as she saw the need to increase her income, she goes out daily to sell her products and when she can, she goes to events such as dances. Teresa tries to sell as much as she can, and with this source of income she goes about supporting herself now that she has no family to support her. She always tries to have the ingredients ready for the preparation of her food in time to sell her products at night. Even if she is busy running to keep up with her sales, she will always try to come out ahead. Her plans are to put in another food stall and to do some home improvement projects. She has decided to take out this loan to invest in her snack stall business, and the other part in fixing up her house.
The other nine founding members of the group are:
EsteL. Díaz N. (sale of artistic photographs), Ricardo Ramírez Gómez (clothing store), Viridiana C. Díaz (sale of tostados), Ofelia B. B. (sale of piñatas). Efrén Martínez V. (sale of sweets), MariseL. F. Hernández (bakery), Nancy S. M. (woodworking), Laura N. Guzmán (sale of sweets), Yolanda F. Hernández (sale of snack foods), Rene E. E. (sale of sweets) and Roberto C. M. (sale of artistic photographs).
They would like a loan to be able to buy necessary items to increase their stocks if items such as candy, photos, raw materials for food, flour, gelatin, and disposable items. Increasing their stocks will allow them to have more customers.
The group feels fortunate to be able to work with support from Kiva through Fundacion Realidad.
ElL. es L. señora Teresa N. D. L. C. representante del grupo, D. 54 años D. edad y con seis hijos ya casados. Teresa solo pudo cursar el primer grado D. primaria y desD. entonces tuvo que trabajar, desafortunadamente hace ocho meses quedo viuda y actualmente se dedica a L. venta D. antojitos como: tacos, quesadillas, gorditas, venta D. dulces, papas y también renta D. viviendas, comenzó con su negocio aproximadamente hace 2 años ya que se vio en L. necesidad D. obtener un ingreso mas, diariamente sale vender afuera D. su casa y cuando se pueD. va a los eventos que se hacen (bailes). Teresa trata D. vender lo más que se pueD. ya que con este recurso elL. se va ayudando ya que no cuenta con ningún apoyo. Siempre trata D. tener los insumos para L. elaboración D. su comida y así vender por las noches. Aunque siempre se L. pase corriendo con sus ventas trata D. salir adelante. Sus planes son poner otro negocio D. comidas y poder darle una arregladita a su casa. El crédito lo tiene destinado para L. inversión D. su negocio D. antojitos y otra parte para el arreglo D. su casa
Los otros once integrantes son: EsteL. Díaz N. (venta D. fotografías D. artistas), Ricardo Ramírez Gómez (tienda D. ropa), Viridiana C. Díaz ( tostaderia), Ofelia B. B. (venta D. piñatas). Efrén Martínez V. (venta D. dulces), MariseL. F. Hernández (repostería), Nancy S. M. (maderería), Laura N. Guzmán (venta D. dulces), Yolanda F. Hernández (Antojitos, carnitas), Rene E. E. (venta D. dulces) y Roberto C. M. (venta D. fotos D. artistas), y quieren el préstamos para poder comprar lo necesario para tener un poco mas surtido como: dulces, fotos, insumos para L. comida, harinas, gelatinas, desechables y asi poder tener un poco mas D. clienteL..
Ellos se sienten afortunados por el apoyo que le brinda Kiva atraves D. Fundacion Realidad ya que asi pueden trabajar con el credito brindado
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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