Santa Maria Jaloxtoc Group
The member Monica B. J. is 30, and went to school through the sixth grade. She has 2 sons, Juan Antonio, 12, and Cristhian Jesus, 8. Monica sells perfumes and cosmetics through a catalog of the “Jafra” brand. She needs the loan to buy perfumes, lipsticks, eye shadows and cosmetics from Jafra. She started her business 4 years ago when she was given a flyer to come to a talk and she thought this business was a good idea because she would have time to take care of her children, especially the youngest. He is handicapped. He can’t speak and he is slow physically so they go for therapy in the city of Cuatla. Her business is important because it is what supports the family and she puts a lot of energy into it so that sales don’t fall off. She will use the earnings to pay off the loan and for her son’s therapy and for her since she has to pay for each session and for the transportation to Cuatla from her home. “ To have a handicapped child is to live life differently from other people,” says Monica.
Her business has competition from others who sell the same products. Her dream is to set up her own stand so that she doesn’t have to sell from house to house. In the village of Jaloxtoc the countryside is beautiful. There are 2 jagueys (trees). The village feast is the 8th of December honoring Santa Maria and there is a Mass on that day, mariachis, and food for all the people who attend.
The other people of the group are:
Maria de Lourdes M. B. who is going to buy perfumes for woman and cologne for men, lipsticks and eye shadows to supply her business.
Sabina H. M. who will buy sugar, straws, bags, flavorings and fruit, etc to make ice cream popsicles.
Rufina R. Canutova who will buy shoes to start a business.
Christina C. B. who will buy vegetables and fruit to increase her business.
Monica says “thanks for trusting in me, for offering me help and I promise not to be dishonest, and to continue getting ahead.
LA INTEGRANTE DEL GRUPO MONICA B. J. TIENE 30 AÑOS DE EDAD Y ESTUDIO HASTA EL 6º: GRADO DE PRIMARIA Y TIENE 2 HIJOS, JUAN ANTONIO TIENE 12 AÑOS Y CRISTHIAN JESUS TIENE 8 AÑOS DE EDAD. LA SEÑORA MONICA SE DEDICA A LA VENTA DE PERFUMES Y COSMETICOS POR CATALAGO DE LA MARCA "JAFRA" Y NECESITA SU PRESTAMO PARA COMPRAR PERFUMES, LAPIZ LABIAL, SOMBRAS Y COSMETICOS DE JAFRA. INICIO SU NEGOCIO HACE 4 AÑOS LE DIERON UN VOLANTE PARA UNA PLATICA Y LE PARECIO BUENO PORQUE LE DA TIEMPO DE CUIDAR A SUS HIJOS EN ESPECIAL AL MAS PEQUEÑO QUE ESTA DISCAPACITADO NO PUEDE HABLAR TIENE ATRAZO PSICOMOTOR ASISTEN A TERAPIAS A LA CD. DE CUAUTLA. SU NEGOCIO ES IMPORTANTE POR QUE ES EL SOSTEN DE SU FAMILIA Y LE PONE ENTUSIASMO A SUS VENTAS PARA QUE EL NEGOCIO NO CAIGA. LAS GANACIA LAS UTILIZA PARA IR PAGANDO EL PRESTAMO Y PARA LAS TERAPIAS DE SU HIJO Y DE ELLA YA QUE LE COBRAN POR CADA TERAPIA Y EL PASAJE PARA TRASLADARSE A CUAUTLA Y A SU DOMICILIO. "TENER UN NIÑO DISCAPACITADO ES VIVIR LA VIDA DIFERENTE A LOS DEMAS" COMENTA MONICA.
SU NEGOCIO ENFRENTA COMPETENCIA DE MAS PERSONAS QUE VENDEN LOS MISMOS PRODUCTOS. SUS SUEÑOS SON TENER UN LOCAL YA ESTABLECIDO PARA NO CAMINAR DE CASA EN CASA. EN EL PUEBLO DE JALOXTOC SE VE MUY BONITO EL CAMPO, HAY 2 JAGUEY, LA FIESTA DEL PUEBLO ES EL 8 DE DICIEMBRE FESTEJANDO A SANTA MARIA Y ESE DÍA HAY MISA, MARIACHIS Y COMIDA PARA TODA LA GENTE QUE ASISTE.
LOS OTROS INTERANTES DEL GRUPO SON:
*MARIA DE LOURDES M. B. VA A COMPRAR PERFUMES DE DAMA CABALLERO, LAPIZ LABIAL Y SOMBRAS PARA SURTIR SU NEGOCIO.
*SABINA H. M. VA A COMPRAR AZUCAR, POPOTES, BOLSAS, SABORES, FRUTAS ETC. PARA ELABORAR SUS PALETAS DE HIELO.
*RUFINA R. CANUTOVA A COMPRAR CALZADO PARA EMPEZAR CON EL NEGOCIO,
*CRISTINA C. B. VA A COMPRAR VERDURAS Y FRUTAS PARA INCREMENTAR SU NEGOCIO
LA SEÑORA MONICA DICE: “GRACIAS POR CONFIAR EN MI, POR TENDERME LA MANO Y PROMETO NO DEFRAUDARLO Y SEGUIR ADELANTE”.
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