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Las Trabajadoras Group
In this Group: Maria Guadalupe, Elizabeth, Librada , Mariana, Maria Esther, Daniel, Maria Sara, Lidia, Marco Antonio, Mireya, Reina , Jasmin, Bertha , Dulce Lluvia
This village bank is called "Las Trabajadoras" - "the working women" - because the members of the group consider themselves a hard-working group of women. The village banks are groups of 10 or more people who, together, hold a bank account and have to meet weekly or fortnightly to make their repayments. They have an elected representative and a committee which oversees the group. This group is based in the commun ity of Valle Verde, in the state of Michoacán. The group is made up of 14 members.

The group's representative is Lidia. Lidia is 41 years old. She went to school until 6th grade: her parents, she says, would not let her continue. They thought it a waste of time and money, as women were only good for being housewives - this is the reason she could not continue her studies. Lidia lives with her partner, Marco, whom she has been with for 12 years. Marco works as a delivery driver and a labourer. They have three children: 11 year old Rubí, who is at primary school, 6 year old Joshua, who is at kindergarten, and Cielo, who is 3. Lidia is seeking her loan for her business, which is grinding corn. She has had the business for 8 years. She started it because she already had experience of working in a mill, and since there were no mills near her home, she decided to invest in one. Her loan will be used to buy firewood, maize and lime for the tortilla dough. She will grind the corn and sell the dough. One of her dreams is to set up a grocery store next to the mill, and to remodel the premises, put up curtains, sand the fences and paint them. She hopes that soon she will be able to realize these goals.

Dulce Lluvia, also a member of the group, is 21 years old and studying in her first year of college. She says she left studying for 7 years, because she went to the United States - seeking the "American Dream" as she saw it. She had to return to Mexico, however, because the situation there was very difficult for immigrants. Dulce has a little girl, 11 months old. She is a single mother, and she helps her parents with the household expenses. She works baking bread: it was her mother who started the business and who, over 10 years ago, taught Dulce how to bake bread. Dulce is very happy at being granted this loan, which she will invest in firewood, sugar, flour, butter, etc. She sells her bread from door to door in different neighbourhoods, such as El Rincón, Granjeno and Zitacuaro. She says that one of her dreams is to have a proper bakery. She would like to rent premises and set up her business so she can provide better for her daughter.

The other 12 members of the group are: María Guadalupe, Elizabeth, Librada, Mariana S. M., María Esther S. M., Daniel García C., María Sara, Marco Antonio, Mireya C., Reina M., Jazmín, and Bertha. They want their loans for a variety of enterprises, including selling clothes, making tortillas, making sandals out of recycled tyres, selling fruit, selling sweets, etc.
View original language description ↓
Esta unidad de desarrollo (UD) se llama “LAS TRABAJADORAS” porque el grupo se considera un grupo de persona trabajadoras y por eso se les ocurrió ese nombre. Las UDES son grupos de más de 10 personas que tiene una cuenta de banco y tienen que reunir semanalmente o quincenalmente para realizar sus pagos. Tiene un representante y un comité que lo gobierna. Este grupo está ubicado en la comunidad de Valle Verde en el estado de Michoacán. El grupo está conformado por 14 integrantes.

La representante del grupo se llama Lidia. Doña Lidia tiene 41 años de edad, estudio hasta sexto de primaria, comenta que sus papas ya no la dejaron estudiar porque decían que era una pérdida de tiempo y dinero por que las mujeres nada mas servían para estar en la casa, por eso ella ya no siguió con sus estudios. Doña Lidia vive en unión libre con el señor Marco desde hace 12 años, don Marco Antonio se dedica hacer fletes y es jornalero, ellos procrearon a 3 hijos de nombres Rubí de 11 años de edad, que estudia la primaria, luego le sigue Joshua quien tiene 6 años y estudia el jardín de niños y Cielo que tiene 3 años. Doña Lidia pidió su préstamo para su negocio que es un molino de masa, ella tiene con su negocio hace aproximadamente 8 años ella empezó con ese tipo de negocio por que ya había trabajado en un molino y como cerca de su casa no había molinos decidió invertir en uno. Su préstamo lo va a invertir en compra de leña, maíz, cal, para el nixtamal y después molerlo y vender la masa. Uno de sus sueños es poder hacer a lado del local del molino una tienda de abarrotes y remodelar los locales ponerles las cortinas, aplanar las bardas y pintarlos, ella espera que muy pronto pueda realizar sus metas.

Dulce Lluvia, es parte de este grupo “Las Trabajadoras”, tiene 21 años, está estudiando el primer año de preparatoria, comenta que dejo de estudiar 7 años porque se fue Estados Unidos buscando el sueño americano como ella lo define, se tuvo que regresar a México porque se puso muy difícil la situación. Dulce tiene una niña de once meses es madre soltera y ayuda a sus padres con los gastos de su casa. Ella se dedica a la elaboración de pan de rancho, comenta que su mama ya tenía el negocio del pan y fue ella que le enseño a elaborar el pan, desde hace 10 años, Dulce está muy contenta porque le dieron su préstamo y con el va a invertir en leña, azúcar, harina, levadura, manteca etc. Ella vende su pan de casa en casa en diferentes localidades como son El Rincón, Granjeno, Zitacuaro y otras más. Dice que uno de sus sueños y metas en la vida es tener una panadería estable quiere rentar un local y poner su negocio para también estar más al pendiente de su hija.
Los otros 12 integrantes se llaman María Guadalupe, Elizabeth E. Sánchez, Librada, Mariana, María Esther, Daniel García, María Sara, Marco Antonio, Mireya, Reina, Jazmín Hernández y Bertha. ellos quieren préstamos para venta de ropa, Tortillas a mano, guaracheria, venta de frutas, venta de dulces, etc.

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

  • $15,600
    Average annual income
  • 21
    View loans »
    Mexico Loans Fundraising
  • $19,052,100
    Funds lent in using Kiva
  • 12.9
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Trabajadoras Group's $3,025 loan helped a member to buy firewood, maize and lime for making tortilla dough.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 29, 2010
Listed
Aug 25, 2010
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2010