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Gardenias Group
In this Group: Patricia , Irene , Maria Luisa , Melissa *, Mercedes , Felicitas , Benita *, Angela , Silvia, Elda, Ymelda
* not pictured
Ymelda L. lives in San Juan Bautista, Tuxtepec, Oaxaca State. She is 56 years old and has 3 children. She lives with her daughter, who is 14 years old and attends the local secondary school. Ymelda's other two sons have already left home.

From Monday to Friday she sells popcorn, pork rinds and sweets outside the secundary school her daughter attends. The activity has enabled her to support her three children. Her husband left for Tijuana 12 years ago to work and support his family but he never came back and forgot about them. Ymelda started off by working in shops until she saved enough money to set up her own grocery business from home, but due to the competition she lost her customers and her shop. She then decided to invest in a different line of business and started to sell pork rinds and popcorn. She sells a bit of everything. On Saturday and Sunday, when there is no school, she makes stuffed chiles and sells them in town. She uses a tricycle to transport materials and produce to sell.

She requests the loan to invest in ingredients such as seeds to make popcorn, dough to make pork rinds and sweets. She would like to have a fixed business rather than be out and about as it is dangerous. She hopes to continue in this line of business because she wants to improve her house, which at the moment is largely made of cardboard. She would like to thank Fundacion for having trusted her and sent through her loan request, alongside those of the remaining members of the group.

The 11-person group is called Gardenias because the patio where they meet is surrounded by flowers of this kind and their pleasant smell caught their attention. The other group members are: Patricia V. C., who learnt to make piñatas and handicrats for parties two years ago and has had her own business since; Irene Cabañas H., who makes snacks in her home on Saturdays and Sundays; Maria Luisa C. J., who also makes snacks; Melissa G. V., a young girl who started a business from home selling ice lollies and jelly; Mercedes C. V., who raises and sells pigs; Felicitas G. S., who sells shoes to her friends through a catalog and is getting orders in every week; Benita I. C., who sells clothes to her friends; Angela S. G., who sells sweets outside her home and tamales to her friends; Silvia H. L., who sells snacks in the school from Monday to Friday; and Elda V. F., who sells shoes through a catalog.

The Gardenias Group aims to be always on time with their payments and to keep on working as they have done until now. Although some of the members are on their own, with no help from anyone else, they support each other as friends and are glad that Fundacion is also on their side.
View original language description ↓
LA SEÑORA YMELDA L. VIVE EN SAN JUAN BAUTISTA, TUXTEPEC, EN EL ESTADO DE OAXACA, TIENE 56 AÑOS DE EDAD, TIENE 3 HIJOS PERO VIVE SOLO CON SU HIJA DE 14 AÑOS DE EDAD QUIEN ASISTE A UNA TELESECUNDARIA DE SU COLONIA, SUS OTROS DOS HIJOS YA INDEPENDIENTES.
ELLA SE DEDICA A VENDER PALOMITAS, CHICHARRONES Y DULCES DE LUNES A VIERNES FUERA DE LA TELESECUNDARIA A LA QUE ASISTE SU HIJA MENOR, DE ESO SE HA MANTENIDO Y HA SACADO A SUS TRES HIJOS ADELANTE, YA QUE DESDE HACE 12 AÑOS SU ESPOSO SE FUE A TIJUANA A TRABAJAR PARA PODER MANTENERLOS; PERO NO REGRESO Y SE OLVIDO DE ELLOS, ASI QUE LA SEÑORA YMELDA TUVO QUE SOSTENER A SU FAMILIA SOLA, EMPEZO TRABAJANDO EN TIENDAS COMERCIALES, HASTA QUE JUNTO DINERO PARA PODER PONER UN NEGOCIO DE ABARROTES EN SU CASA, PERO DEBIDO A LA COMPETENCIA PERDIO A SUS CLIENTES Y SU TIENDA NO PUDO SEGUIR ADELANTE, ASI QUE DECIDIO INVERTIR EN OTRO NEGOCIO Y EMPEZO A VENDER CHICHARRONES Y PALOMITAS, ELLA VENDE DE TODO UN POCO YA QUE LOS SABADOS Y DOMINGOS QUE NO HAY CLASES PREPARA CHILES RELLENOS Y SALE A VENDER EN LA COLONIA, TRANSPORTA SU MATERIAL Y PRODUCTOS DE VENTA EN UN TRICICLO.
ELLA SOLICITA EL PRESTAMO PARA PODER INVERTIR EN MATERIA PRIMA COMO SEMILLAS PARA HACER LAS PALOMITAS, PASTA PARA HACER LOS CHICHARRONES, Y PARA COMPRAR DULCES, ELLA QUIERE PODER TENER UN NEGOCIO FIJO PARA NO ESTAR SALIENDO FUERA YA QUE ES PELIGROSO. ESPERA SEGUIR TENIENDO ESTA FUENTE DE INGRESO YA QUE QUIERE HACER MEJORAS EN SU VIVIENDA, PORQUE GRAN PARTE DE SU CASA ES DE CARTON.
ES POR ESO QUE AGRADECE A FUNDACION HABER CONFIADO EN ELLA Y ASI HABER INGRESADO SU SOLICITUD DE PRESTAMO, JUNTO CON SUS DEMAS COMPAÑERAS, QUIENES AHORAN FORMAN PARTE DEL GRUPO CONFORMADO POR 11 PERSONAS LLAMADO GARDENIAS, ASI SE HIZO LLAMAR YA QUE SU PATIO ESTA CERCADO CON ESTAS FLORES Y EN LA REUNION LES LLAMO LA ATENCION EL OLOR TAN AGRADABLE QUE DESPRENDEN ASI QUE DECIDIERON LLAMARLO ASI.
LAS INTEGRANTES SON PATRICIA V. C.; QUIEN POR MAS DE DOS AÑOS SE DEDICA A HACER PIÑATAS Y MANUALIDADES PARA FIESTAS, APRENDIO ESTA ACTIVIDAD EN UN CURSO QUE SE IMPARTIO EN LA COLONIA Y APROVECHO PARA PONER UN NEGOCIO DE ESTE TIPO, IRENE C. H.; QUIEN HACE ANTOJITOS LOS SABADOS Y DOMINGOS EN SU CASA, MARIA LUISA C. J.; QUIEN TAMBIEN ELABORA ANTOJITOS, MELISSA G. V., UNA CHICA QUE A SU CORTA EDAD YA EMPRENDIO UN NEGOCIO EN SU CASA, HACE HIELITOS Y GELATINAS, MERCEDES C. V.; QUIEN CRIA Y VENDE CERDOS, FELICITAS G. S. QUIEN VENDE ZAPATOS POR CATALOGO CON SUS AMISTADES, CADA SEMANA ESTA SOLICITANDO PEDIDOS Y SE ESTA SURTIENDO DE CALZADO, BENITA I. C.;QUIEN VENDE ROPA CON SUS AMISTADES, ANGELA S. G.; VENDE DULCES FUERA DE SU CASA, TAMBIEN ELABORA TAMALES OAXAQUEÑOS Y LOS OFRECE A SUS AMISTADES, SILVIA H. L. ;VENDE ANTOJITOS EN LA ESCUELA DE LUNES A VIERNES, ELDA V. F. QUIEN VENDE ZAPATOS POR CATALOGO.
TODAS ELLAS FORMAN EL GRUPO GARDENIAS, QUIEREN SER SIEMPRE PUNTUAL EN SUS PAGOS Y SEGUIR TRABAJANDO COMO LO HAN HECHO HASTA AHORA.
SENTIR QUE AUNQUE ALGUNAS ESTAN SOLAS SIN APOYO DE NADIE MAS, SE TIENEN COMO AMIGAS Y CONOCIDAS, Y SABER QUE FUNDACION ESTA CON ELLAS ES GRATIFICANTE.

Additional Information

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
  • 21
    View loans »
    Mexico Loans Fundraising
  • $18,293,550
    Funds lent in using Kiva
  • 12.7
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Gardenias Group's $2,925 loan helped a member buy ingredients for her products, such as sweets and seeds to make popcorn to sell outside the school.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 10, 2010
Listed
Jun 28, 2010
Currency Exchange Loss:
Possible
Ended:
Oct 15, 2010