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Tercer Cuartel Group
In this Group: Lisbeth , Rosa Maria , Josefina , Beatriz , Amalia , Carmela , Lourdes , Maria Ines , Olivia *, Antonia
* not pictured
This group is called “Tercel Cuartel” (3rd Quarter) because Atlacomulco where they live is divided into quarters. Here the majority of the population have an economic base in the cultivation and sale of vegetables. These are very hard working people. The group is composed of 10 members and this is the 3rd time they have solicited a loan from CrediComun.

The photo was taken in the house of Mrs. Rosa Maria where their weekly reunions are held. Let's look at the Rosa Maria's work. She is the 1st person right to left in the photo. She is 48 years old and only learned to read and write in primary school. She sells pockets ordered by dressmakers and seasonal articles, primarily in the public markets of different municipalities, like Atlacomulco, Istlahuaca, and El Oro, to mention a few. Rosa Maria has been doing this for 22 years. She mentions that previous loans invested in her business have given 1 of her 6 children the opportunity to study in the university at present, and she plans to continue working assiduously as she has been doing for years, to give this same opportunity to the 3 youngest children, since, unfortunately, the 2 oldest never had the chance to study. She always looks for ways to diversify her products in accord with her customers' demands.

Rosa Maria is requesting the loan to purchase sewing materials, cloth, and hats. Her companions comment that she has gotten ahead thanks to her business and her dedication. Her principal objective in life is to provide a heritage to her children, which is an education that will offer them a better life. This is the admirable thing about the women who make up these different groups, that despite the difficulties they face, always, their primary goal is the education of their children.

The other members of the group are:
Carmela L. R. (sale of plastics)
Antonia S. L. (sale of hats)
Josefina B. S.
Lourdes D. E. (sale of meals)
Olivia S. D.
Lisbeth D. D. (sale of seasonal articles)
Beatriz L. S. (tin-ware)
Maria Ines D. M. (miscellany)
View original language description ↓
Este grupo se llama TERCER CUARTEL porque la comunidad en la cual habitan se divide en cuarteles en Atlacomulco, México. Es un lugar en donde la mayor parte de la población fundamenta su economía en cultivo y venta de verdura, son personas muy trabajadoras. El grupo está conformado por 10 integrantes y es la TERCERA vez que solicita un crédito a CrediComún.
Esta foto fué tomada en la casa de la Sra. Rosa María D. E., donde se hacen las reuniones semanales. Se ve el trabajo que realiza la Sra. Rosa María D. E. quien es la primera de derecha a izquierda en la foto. Tiene 48 años; en la primaria solo aprendió a leer y a escribir, se dedica a la venta de bolsas de mandado, a la costura y artículos por temporada principalmente, lo comercializa en las plazas (tianguis) de los diferentes municipios, como lo es Atlacomulco, Ixtlahuaca, El oro por mencionar algunos, tiene 22 años dedicándose a estas actividades, menciona que el crédito le ha servido para invertir en su negocio y eso ha permitido darle la oportunidad de estudiar la universidad a 1 de sus 6 hijos por el momento, pero tiene planeado seguir trabajando arduamente como lo ha venido haciendo por años, para darle esas misma oportunidad a los otros 3 hijos más pequeños ya que desafortunadamente a 2 de los mayores no tuvo la oportunidad de darles estudio, siempre busca la diversificación de su producto de acuerdo a lo que los clientes le piden.
Solicita el préstamo para la compra de bolsas, ajos, hilos, telas y sombreros. Sus compañeras comentan que la Sra. Rosa María D. E. se ha superado gracias a su negocio y a la dedicación.
Su principal objetivo en la vida es dejarles una gran herencia a sus hijos que es el estudio para que puedan tener una vida mejor. Eso es lo admirable de las personas principalmente las señoras que integran los diferentes grupos, que a pesar de las dificultades que enfrenten siempre está por encima la educación de sus hijos.

Los otros integrantes del grupo son:
Carmela López R. (vta. de plástico),
Antonia S. L. (vta. de sombreros),
Josefina B. S.
Lourdes D. E. (vta. De comida),
Olivia S. D.
Lisbeth D. D. (vta. De artículos de temporada),
Beatriz López S. (Hojalatería),
María Inés D. Martínez (Miscelánea)

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

  • $11,249
    Average annual income
  • 6
    View loans »
    Mexico Loans Fundraising
  • $17,358,450
    Funds lent in using Kiva
  • 12.9
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Tercer Cuartel Group's $2,100 loan helped a member bUYING SEWING MATERIALS, THREAD, CLOTH, AND HATS.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 27, 2010
Listed
Jun 7, 2010
Currency Exchange Loss:
Covered
Ended:
Oct 16, 2010