Josefina G.M., 49, is group president. She has never gone to school, is married, is a merchant and has 9 children, 5 girls and 4 boys, of which three are still minors economically dependent on her.
She is a garlic merchant. She started her business over 15 years ago since the community she belongs to is known nationally as a great garlic producer. In fact, you can perceive the aroma of garlic merely by walking along its streets.
She is asking for funds to buy garlic at wholesale at a good price that will allow her to make better profits.
Her customers are of the opinion that the product she offers is of high quality and very clean.
At the time of requesting the loan she feels happy. She hopes in the future to buy larger amounts. She also hopes to proviD. her children with the opportunity to study so that they can have a better quality of life since she did not have the opportunity to go to school.
The other group members are:
1. María D. Jesús A.V Typical clothing sales
2. Juana T.F Garlic sales
3. María Frida P.P Pharmacy and sale of curative items
4. Gregoria Magdalena S.G Vegetable sales
5. Hortencia Feliciana M.R Garlic sales at open-air markets
6. Alma Rosa M. F. Dairy products sales
7. Graciela Roberta T.S Typical clothing sales
8. Elia Teresa G.M Typical clothing sales
9. Martha Hilda P. B Spice sales at open-air markets
Josefina G.M. presidenta del grupo. Tiene 49 años, no tiene estudios, casada, comerciante y tiene en total 9 hijos: 5 mujeres y 4 varones D. L. cuales solo 3 son menores D. edad y dependen D. ella económicamente. Ella se dedica a la compra venta D. ajos, negocio que inició hace más D. 15 años ya que la comunidad a la pertenece se identifica como gran productora D. ajo a nivel nacional, incluso se pueD. percibir en ocasiones su olor con tan sólo ir caminando por sus calles. Solicita el préstamo para comprar ajo D. mayoreo y poder obtener un buen precio que le permita una mayor ganancia. Sus clientes opinan que el producto que ofrece es D. calidad y muy limpio. Al momento D. solicitar este préstamo se siente contenta. A futuro desea comprar en mayores volúmenes. También espera darles a sus hijos la oportunidad D. estudiar para que tengan una mejor calidad D. vida, ya que ella no tuvo oportunidad D. asistir a la escuela.
L. otros integrantes del grupo son:
1. María D. Jesús A.V Venta D. ropa típica
2. Juana T.F Venta D. ajo
3. María Frida P.P Venta D. artícuL. D. curación y D. farmacia
4. Gregoria Magdalena S.G Venta D. verduras
5. Hortencia Feliciana M.R Venta D. ajos en tianguis
6. Alma Rosa M. F. Venta D. productos lácteos
7. Graciela Roberta T.S Venta D. ropa típica
8. Elia Teresa G.M Venta D. ropa típica
9. Martha Hilda P. B Venta D. especies en tianguis
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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