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Rayito De Luz Group
In this Group: Silvia , Gloria , Silvia , Amada, Felipa
Silvia M. G. represents the Rayito de Luz [Little Ray of Light] group, located in the community of Felipe Neri, Tlalnepantla, in the state of Morelos, Mexico. The group has five members, who are neighbors. This is her first loan with Fundación Realidad. The members of the group are: Silvia M. Granada, who will use her loan to buy merchandise including soft drinks, cookies, chips, and candy to stock up her grocery store; Gloria A. C., who plans to buy a griddle, roofing for her locale, tables and chairs, and vegetables, tomatoes, and green tomatoes to make her Mexican street foods; Silvia G. R., who plans to buy sacks of organic fertilizer to treat her trees so she can grow fruit; Armada G. R., who will purchase loads of corn to make her handmade tortillas; and Felipa García S., who plans to buy broad beans, pumpkins, peaches, and limes in bulk wholesale to stock up her store.

Silvia is thirty-years-old. She completed her third year of secondary school and has her certificate. She lives in a common-law marriage and has four sons. Carlos Ángel, 12, and José Ismael, 8 are both in school. Jorge Eduardo and Luis Eduardo are 3-year-old twins. She has a grocery store called the “Los Ángeles Grocery.” She is seeking a loan to buy chips, cookies, Bimbo-brand bread, soft drinks, water, candy, peanuts, chocolate candies, and gummies to offer her customers. Most of them are tourists driving by on the highway who stop to rest and buy things at her store, or students and neighbors who come during the rainy and cold seasons looking to buy water and soft drinks. Her son Carlos Ángel helps her out in the store.

Silvia started her business four years ago, after noting that where she lived beside the highway was a thoroughfare for tourists and seemed like a good place to have a grocery store. Her husband gave her the money to open and stock the store. She’s very happy with the loan she’s going to get because it will give her the opportunity to invest in her business. The business is very important to her because of the financial support it provides. It brings in extra income, she’s got money for everyday needs, and she wants for nothing at home. If her sons want something, they can have it.


The climate in Felipe Neri is refreshing. There are lots of trees and vegetation, and the Chichinautzin Corredor passes through there. It’s a protected area with heavily-treed forests with deer and panthers in them. The people plant forage food like oats and corn for the animals. In December when it’s really cold the water crystallizes into a layer of ice.

Silvia’s business has helped her family because she uses what she makes for household expenses or any other expenses that might worry her. She wants to tell Kiva and the Fundación Realidad, “I appreciate the kind of help you give us and I am going to try not to embarrass myself so you’ll keep supporting me with additional loans.” Her dream is to better herself, stand out, and most of all, grow the business into something better, and add new products. She will reinvest her earnings and support her sons so they can have a profession. Her store does face competition; there’s another one next door to hers.
View original language description ↓
La señora Silvia M. G. es la representante del grupo Rayito
de Luz, Ubicado en la comunidad de Felipe Neri, Tlalnepantla, en el estado de Morelos, México, el grupo es de 5 integrantes y son vecinos este es su primer préstamo con Fundación Realidad.
Las integrantes del grupo son Silvia M. G. va a comprar con su préstamo mercancía refrescos, galletas, sabritas, dulces para surtir su tienda de abarrotes, la señora Gloria A. C. va a comprar un comal, lamina para techar su local, mesas, sillas, verduras, jitomates, tomates para elaborar sus antojitos mexicanos , la señora Silvia G. R. va a comprar abono orgánico por bulto para abonar sus árboles y producir su fruta, la señora Amada G. R. va a comprar maíz por carga para elaborar su tortillas a mano, Felipa García S. va a compra haba, calabaza, durazno, Limón por mayoreo, bulto para surtir su negocio.
La señora Silvia tiene 30 años de edad estudio hasta el tercer año de secundaria, tiene su certificado, vive en unión libre y tiene cuatro hijos todos varones son: Carlos Ángel tiene 12 años, José Ismael tiene 8 años los dos estudian, Jorge Eduardo y Luis Eduardo tienen 3 años de edad y son gemelos. Ella tiene una tienda de abarrotes se llama abarrotes los Ángeles y solicito su crédito para comprar sabritas, galletas, pan Bimbo, refrescos, agua, dulces, cacahuates, lunetas, gomitas para ofrecerles a su clientela la mayoría son turistas que pasan con su auto por la carretera y se detienen a descansar y compran productos de la tienda, también los estudiantes y los vecinos acuden a su tienda a comprar, en tiempos de lluvia y frió baja la venta del agua y del refrescos, su hijo Carlos Ángel le ayuda a atender el negocio.
Inicio su negocio hace 4 años, vio que donde vive es paso de turistas es orilla de carretera y le pareció bien poner la tienda de abarrotes, su esposo le dio para comenzar a surtir la tienda y esta muy contenta con el préstamo que le van a proporcionar ya que tiene la oportunidad de invertir en el negocio. Para ella es muy importante su negocio porque es un apoyo económico, es un ingreso extra, esta cayendo dinero del diario y no le falta nada en el hogar, si sus hijos quieren algo de ahí lo taman.
En Felipe Neri el clima es fresco, hay mucha vegetación, muchos árboles por ahí pasa el corredor Chichinautzi es un área protegida, es bosque hay muchos árboles, venados, panteras, siembran forraje para los animales, avena, evol, maíz, en el mes de diciembre que hace mucho frió el agua se cristaliza se forman una capa de hielo. El negocio ha ayudado a su familia porque de los ingresos que va obteniendo tiene para los gasto de su casa o de algún gasto que se tenga que hacer de ahí se ocupa.
La señora Silvia M. G. Quiere decir a kiva y a Fundación realidad “les agradezco por este tipo de apoyos que nos brindan y voy a tratar de no quedar mal para que mi sigan apoyando con mas prestamos”. Mis sueños son superarme, sobresalir y entre mas crezca el negocio mejor, meter nuevos productos y las ganancias volverla a invertir y apoyar a mis hijos a que tengan una profesión.
El negocio enfrenta la competencia hay otra tienda al lado de la suya.

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
  • 51
    View loans »
    Mexico Loans Fundraising
  • $18,367,975
    Funds lent in using Kiva
  • 12.7
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Rayito De Luz Group's $1,675 loan helped a member to buy chips, cookies, bread, soft drinks, and water.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 9, 2010
Listed
Aug 22, 2010
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2010